| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $40K | — | $40K | 17.72% |
| JAMIE MILLS3 | 11616 WHITTINGTON ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $17K | — | $17K | 7.28% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | — | $12K | 14.19% |
| JAMIE MILLS3 | 11616 WHITTINGTON ST TRAVERSE CITY, MI 49684 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.81% |
| ADVANTAGE BENEFITS GROUP | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION SERVICE | $7K | — | $7K | 15.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $26K |
| ADVANTAGE BENEFITS GROUP, INC | Insurance agents and brokers Service code 22 | — | $8K |
| JAMIE MILLS AGENT | Insurance agents and brokers Service code 22 | 11616 WHITTINGTON ST TRAVERSE CITY, MI 49684 | $3K |
| ADVANTAGE BENEFITS AGENCY | Insurance agents and brokers Service code 22 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | $0 |
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 | 613 | 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) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION SERVICE | 925 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $228K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $82K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 514 | $644K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 925 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.