| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUGHES3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $166K | $0 | $166K | 2.18% |
| ROBERT HUGHES3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $21K | $0 | $21K | 2.18% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $5K | $32K | 17.74% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $5K | $9K | 5.62% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $4K | $7K | 5.46% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE CO. | $11K | $0 | $11K | 9.94% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 9.12% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $464 | $3K | 17.78% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $370 | $2K | 16.50% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $68 | $0 | $68 | 11.35% |
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 | 1,230 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 120 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision(2 contracts, 2 carriers) | EYEMED VISION ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE CO. | 1,710 | $108K |
| Life insurance(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,220 | $290K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,217 | $131K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,217 | $164K |
| Prescription drug(2 contracts) | PRIORITY HEALTH | 1,801 | $8.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,801 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.