| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $0 | $940 | $940 | 0.14% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 5.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 7.08% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| EVERNORTH BEHAVIOR HEALTH, INC | 11095 VIKING DRIVE, SUITE 350 EDEN PRAIRIE, MN 55344 | EVERNORTH BEHAVIORAL HEALTH, INC. | $0 | — | $0 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $486 | $0 | $486 | 5.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $489 | $0 | $489 | 10.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | — |
| ROBERT L. HUGHES Filed as: ROBERT L HUGHES | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $26K | — | $26K | — |
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 | 737 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 751 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 704 | $655K |
| Vision | VISION SERVICE PLAN | 544 | $97K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 870 | $227K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 870 | $125K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH INSURANCE COMPANY | 751 | $0 |
| Other(5 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 870 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 870 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.