| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.39% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $0 | $7K | 2.15% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $10K | $10K | 4.85% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 3.02% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | AETNA LIFE INSURANCE CO. | $8K | $0 | $8K | 9.97% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.53% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.84% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.40% |
| MFC BENEFITS LLC3 Filed as: MFC BENEIFTS LLC | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.85% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| MFC BENEFITS LLC3 | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 4.44% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.61% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.68% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 5.48% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $539 | $539 | 5.48% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $511 | $511 | 5.20% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $956 | $0 | $956 | 10.00% |
| MFC BENEFITS LLC3 Filed as: MFC BENEFITS LLC. | 1919 GRACE LN MILFORD, MI 48380 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $522 | $522 | 5.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVE. HARTFORD, CA 06156 | $392K |
| 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 | 1,004 | 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) | 1,004 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 497 | $343K |
| Vision | AETNA LIFE INSURANCE CO. | 1,004 | $84K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 630 | $141K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 83 | $28K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 630 | $82K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 514 | $668K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 630 | $330K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,004 | — |
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.