| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | AETNA LIFE INSURANCE CO. | $9K | $71K | $80K | 0.34% |
| 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 | $0 | $28K | 2.00% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $67K | $0 | $67K | 14.98% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $49K | $0 | $49K | 14.98% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44K | $0 | $44K | 14.99% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LANE MILFORD, MI 48380 | AETNA LIFE INSURANCE CO. | $10K | $0 | $10K | 6.63% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $0 | $20K | 14.98% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.27% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.98% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 14.99% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 150.10% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MFC BENEFITS EIN 86-1093745 BROKER | Insurance brokerage commissions and fees Service code 53 | 1919 GRACE LN MILFORD, MI 48380 | $493K |
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 | 2,471 | 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) | 2,471 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 3,556 | $31.8M |
| Dental(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,764 | $1.5M |
| Vision | AETNA LIFE INSURANCE CO. | 3,556 | $23.9M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 147 | $26K |
| Short-term disability(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 517 | $156K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,471 | $345K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,468 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,556 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.