| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN W. LAYTON3 | P O BOX 37 MARNE, MI 49435 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 1.91% |
| BRIAN WHITE3 Filed as: BRIAN T COTE | 1406 N MITCHELL ST CADILLAC, MI 49601 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 0.70% |
| LAYTON FINANCIAL SERVICES, INC.3 Filed as: LAYTON FINANCIAL SERVICES | P O BOX 37 MARNE, MI 49435 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $5K | $5K | 0.49% |
| LAYTON FINANCIAL SERVICES, INC.3 Filed as: LAYTON FINANCIAL SERVICES INC | PO BOX 37 MARNE, MI 49435 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 16.73% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 1406 N MITCHELL ST CADILLAC, MI 49601 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.62% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 194 | $1.0M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $78K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $78K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $78K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 194 | $1.0M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.