| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $132K | — | $132K | 2.07% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $8K | $8K | 0.13% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS INC. DBA | 44NORTH PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $46K | — | $46K | 10.17% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $42K | $24 | $42K | 15.01% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $24 | $37K | 15.01% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $24 | $26K | 15.01% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $24K | $24 | $24K | 15.02% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $24 | $11K | 15.03% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $24 | $3K | 15.13% |
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 | 770 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 773 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,422 | $6.4M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,537 | $454K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,422 | $6.4M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,020 | $438K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,020 | $279K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 472 | $233K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,422 | $6.4M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,020 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,537 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.