| 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 | $162K | — | $162K | 1.98% |
| ADVANCED BENEFIT SOLUTION3 Filed as: ADVANCED BENEFIT SOLUTIONS INC. DBA | 44NORTH PO BOX 700 CADILLAC, MI 49601 | DELTA DENTAL OF MICHIGAN | $60K | — | $60K | 10.46% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $8K | $51K | 17.74% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33K | $7K | $40K | 18.13% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $26K | $5K | $31K | 17.93% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $25K | $4K | $30K | 17.61% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $5K | $18K | 21.46% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL CADILLAC, MI 49601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $531 | $3K | 17.76% |
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 | 1,477 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,477 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,936 | $8.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,044 | $573K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,936 | $8.2M |
| Life insurance(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,417 | $409K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,416 | $287K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 609 | $253K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,936 | $8.2M |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,417 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,044 | — |
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."
No prospect flags tripped on this filing.