| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49512 | PRIORITY HEALTH INSURANCE COMPANY | $66K | — | $66K | 20.31% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 1.73% |
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 0.58% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $23K | $1K | $25K | 19.93% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 6.25% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $1K | $10K | 10.26% |
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $835 | $8K | 12.59% |
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.75% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1K | — | $1K | 2.43% |
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | VISION SERVICE PLAN | $484 | — | $484 | 0.81% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $817 | $9K | 16.52% |
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 853 | $327K |
| Dental | DELTA DENTAL OF MICHIGAN | 885 | $286K |
| Vision | VISION SERVICE PLAN | 326 | $60K |
| Long-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 427 | $162K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 520 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 885 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.