| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 0.72% |
| ROBERT L. HUGHES3 Filed as: ROBERT LINHART HUGHES | 89 MONROE CENTER ST NW, SUITE 200 GRAND RAPIDS, MI 495032900 | KAISER FOUNDATION HEALTH PLAN INC. | $133K | — | $133K | 4.56% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $15K | $58K | 2.70% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $10K | — | $10K | 0.65% |
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 | 11,021 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 621 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 429 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,071 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC. | 437 | $2.9M |
| Vision | VISION SERVICE PLAN | 9,388 | $1.6M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 14,734 | $3.8M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 14,470 | $2.1M |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC. | 437 | $2.9M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 14,734 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,734 | — |
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.