| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 1.93% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 0.64% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $35K | $2K | $37K | 19.71% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | — | $12K | 6.25% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $1K | $14K | 9.91% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $832 | $13K | 16.00% |
| 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 SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $759 | $10K | 12.17% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.75% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | — | $2K | 2.34% |
| JAMIE MILLS3 | 4165 ARTHUR HILLS DR HARBOR SPRINGS, MI 49740 | VISION SERVICE PLAN | $542 | — | $542 | 0.78% |
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 | 953 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 953 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE | 953 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 1,017 | $320K |
| Vision | VISION SERVICE PLAN | 392 | $70K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 531 | $269K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 531 | $143K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 160 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,017 | — |
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.