| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | AETNA LIFE INSURANCE COMPANY | $4K | $33K | $37K | 1.35% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 3.16% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $5K | $10K | 10.20% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 15.71% |
| MFC BENEFITS LLC3 Filed as: MFC BENEIFTS LLC | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $2K | $5K | 14.38% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $89 | $4K | 15.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MFC BENEFITS LLC N/A | Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 2049 MAYFAIR GROUP WHITE LAKE, MI 48383 | $128K |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,311 | $2.7M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 298 | $119K |
| Vision | AETNA LIFE INSURANCE COMPANY | 1,311 | $2.7M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $35K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 373 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,311 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.