| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT B. SWARDENSKI3 | 89 MONROE CENTER ST NW STE 200 GRAND RAPIDS, MI 495032662 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $19K | — | $19K | 3.04% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, STE 300 GRAND RAPIDS, MI 495039503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.46% |
| KURT B. SWARDENSKI3 | 89 MONROE CENTER ST NW STE 200 GRAND RAPIDS, MI 495032662 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 3.07% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW, STE 300 GRAND RAPIDS, MI 495039503 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.53% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.37% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | — | $9K | 12.75% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.54% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 1 IONIA AVENUE SW STE 300 GRAND RAPIDS, MI 495034145 | VISION SERVICE PLAN | $867 | — | $867 | 6.52% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $961K |
| Dental | DELTA DENTAL OF MICHIGAN | 284 | $83K |
| Vision | VISION SERVICE PLAN | 90 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $69K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $961K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 161 | $69K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.