| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 2049 MAYFAIR WHITE LAKE, MI 48383 | AETNA LIFE INSURANCE CO. | $16K | $0 | $16K | 0.06% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $10K | $41K | 2.64% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $59K | $17K | $76K | 19.37% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $43K | $15K | $57K | 20.11% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $39K | $14K | $53K | 20.29% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DR. WHITE LAKE, MI 48383 | AETNA LIFE INSURANCE CO. | $20K | $0 | $20K | 11.34% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $7K | $26K | 20.25% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $7K | $25K | 20.39% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DR WHITELAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $6K | $11K | 9.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MFC BENEFITS EIN 86-1093745 BROKER | Insurance brokerage commissions and fees Service code 53 | 2049 MAYFAIR WHITE LAKE, MI 48383 | $537K |
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 | 3,923 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,923 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 3,923 | $26.8M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,791 | $1.6M |
| Vision | AETNA LIFE INSURANCE CO. | 3,923 | $26.8M |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 531 | $127K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,373 | $285K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,373 | $891K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,923 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.