| 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 | $109K | — | $109K | 3.04% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $12K | $23K | 34.45% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LALES PARTNERS | INSURANCE SERVICES LLC 223 W GRAND RIVER AVE STE 1 HOWELL, MI 48843 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $568 | $9K | 13.81% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INS CENTER | 10877 WHITE ROCK RD STE 300 RANCHO CORDOVA, CA 95670 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.90% |
| SPECTRUM BENEFITS LLC3 | 721 3 MILE RD NW #150 GRAND RAPIDS, MI 49544 | DELTA DENTAL OF MICHIGAN | $521 | — | $521 | 0.82% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 223 WEST GRAND RIVER AVE #1 HOWELL, MI 48843 | EYEMED VISION CARE | $3K | — | $3K | 5.85% |
| ADVANCED BENEFIT SOLUTIONS INC3 Filed as: ADVANCED BENEFIT SOLUTIONS | DBA 44NORTH 1406 N MITCHELL ST CADILLAC, MI 49601 | EYEMED VISION CARE | $977 | — | $977 | 2.04% |
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 | 175 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 636 | $3.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 148 | $63K |
| Vision | EYEMED VISION CARE | 959 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $66K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $66K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $66K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 636 | $3.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 261 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 959 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.