| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.45% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOULTIONS, INC DBA | 44N PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.23% |
| ADVANCED BENEFIT SOLUTIONS INC5 | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $1K | $3K | 3.87% |
| ADVANCED BENEFIT SOLUTIONS INC5 | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $7K | $10K | 20.94% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSUR | 223 W GRAND RIVER AVE STE 1 HOWELL, MI 48843 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $401 | $6K | 12.35% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 266 | $87K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $120K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $120K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $120K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.