| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN T COTE3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $171K | — | $171K | 1.56% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $725 | $725 | 0.01% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTION INC | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $230K | $177K | $407K | 24.02% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS, INC. | 1406 N MITCHELL ST CADILLAC, MI 49601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $29K | — | $29K | 22.15% |
| MARC ALAN HOLLABAUGH3 Filed as: MARC A HOLLABAUGH | 836 WEST 62ND ST KANSAS CITY, MO 64113 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 13.00% |
| PK WEIS AGENCY INC3 Filed as: P K WEIS AGENCY INC | 211 N 4TH PO BOX 583 MOBERLY, MO 65270 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 7.00% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | SYMETRA LIFE INSURANCE COMPANY | $4K | — | $4K | 18.27% |
| COTTINGHAM & BUTLER3 Filed as: COTTINGHAM AND BUTLER INS | PO BOX 28 DUBUQUE, IA 52004 | SYMETRA LIFE INSURANCE COMPANY | — | $262 | $262 | 1.18% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS INC. DBA | 44NORTH PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | — | — | $0 | — |
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 | 1,401 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,411 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,982 | $11.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,371 | $1.7M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,982 | $11.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,371 | $1.7M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,371 | $1.7M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 2,371 | $1.7M |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,982 | $11.0M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,371 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,371 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.