| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 2.45% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.41% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 5.07% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.77% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | AETNA LIFE INSURANCE CO. | $6K | $0 | $6K | 9.72% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 8.51% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.07% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 7.80% |
| MFC BENEFITS LLC3 Filed as: MFC BENEIFTS LLC | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.07% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 15.00% |
| MFC BENEFITS LLC3 | 2049 MAYFAIR DRIVE WHITE LAKE, MI 483833389 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MFC BENEFITS EIN 86-1093745 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $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 | 734 | 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) | 734 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 385 | $253K |
| Vision | AETNA LIFE INSURANCE CO. | 734 | $65K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 496 | $87K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 496 | $53K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 496 | $205K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 734 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.