| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITYHEALTH | $30K | — | $30K | 1.98% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $7K | $22K | 8.88% |
| BENEFITS TECHNOLOGIES LLC3 Filed as: BENEFITS TECHNOLOGIES, LLC | 1200 EAST TAFT AVENUE SAPULPA, OK 74066 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $21K | — | $21K | 43.11% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 7.49% |
| ADVANCED BENEFIT SYSTEM INC3 Filed as: ADVANCED BENEFITS GROUP | 89 MONROE CENTER NW GRAND RAPIDS, MI 49503 | EYEMED | $2K | — | $2K | 8.90% |
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 | 457 | 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) | 457 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITYHEALTH | 517 | $1.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $243K |
| Vision | EYEMED | 392 | $19K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $243K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $243K |
| Prescription drug | PRIORITYHEALTH | 517 | $1.5M |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 457 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 517 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.