| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | $2K | $31K | 19.75% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 6.25% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $1K | $12K | 10.09% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $723 | $12K | 15.98% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $746 | $8K | 12.36% |
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.75% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | — | $2K | 2.40% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF MICHIGAN EIN 38-1791480 BENEFIT ADMINISTRATOR | Claims processing; Contract Administrator Service code 12 | — | $19K |
| ADVANTAGE BENEFITS GROUP AGENCY | Insurance agents and brokers Service code 22 | 1 IONIA AVE STE 300 GRAND RAPIDS, MI 49503 | $0 |
| JAMIE MILLS AGENT | Insurance agents and brokers Service code 22 | 4165 ARTHUR HILLS DRIVE HARBOR SPRINGS, MI 49740 | $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 | 869 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 871 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 871 | $393K |
| Vision | VISION SERVICE PLAN | 374 | $63K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $227K |
| Short-term disability(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $141K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 466 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.