| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | AETNA LIFE INSURANCE CO. | $0 | $71K | $71K | 0.30% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | AETNA LIFE INSURANCE CO. | $19K | $0 | $19K | 0.08% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LANE MILFORD, MI 48380 | BANNER HEALTH AND AETNA HEALTH | $0 | $0 | $0 | 0.00% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $28K | $10K | $38K | 2.73% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $62K | $18K | $80K | 19.27% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $45K | $15K | $60K | 19.95% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $41K | $15K | $56K | 20.38% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LANE MILFORD, MI 48380 | AETNA LIFE INSURANCE CO. | $11K | $0 | $11K | 7.93% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $7K | $27K | 20.54% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $7K | $25K | 21.06% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $7K | $12K | 10.10% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $107 | $2K | 2.12% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $57 | $4K | 15.24% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $51 | $3K | 15.28% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $41 | $3K | 15.24% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $25 | $2K | 15.23% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $32 | $2K | 15.32% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $20 | $1K | 15.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MFC BENEFITS EIN 86-1093745 BROKER | Insurance brokerage commissions and fees Service code 53 | 1919 GRACE LN MILFORD, MI 48380 | $474K |
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 | 2,488 | 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) | 2,488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3,610 | $32.3M |
| Dental(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,767 | $1.5M |
| Vision | AETNA LIFE INSURANCE CO. | 3,610 | $23.8M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 145 | $26K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 536 | $163K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,488 | $319K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,488 | $935K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,610 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.