| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT B. SWARDENSKI3 | 1 IONIA AVE SW, STE 300 GRAND RAPIDS, MI 495032662 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 2.90% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW, STE 300 GRAND RAPIDS, MI 495032662 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $774 | $774 | 0.11% |
| KURT B. SWARDENSKI3 | 1 IONIA AVE SW, STE 300 GRAND RAPIDS, MI 495032662 | BLUE CARE NETWORK OF MICHIGAN | $10K | — | $10K | 2.99% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW, STE 300 GRAND RAPIDS, MI 495032662 | BLUE CARE NETWORK OF MICHIGAN | — | $534 | $534 | 0.16% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 4059 STANLEY RD COLUMBIAVILLE, MI 48421 | DELTA DENTAL OF MICHIGAN | $4K | $159 | $4K | 4.65% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $556 | — | $556 | 0.70% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 17.74% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.32% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 1 IONIA AVENUE SW STE 300 GRAND RAPIDS, MI 495034145 | VISION SERVICE PLAN | $874 | — | $874 | 6.53% |
| ADVANCED BENEFIT SOLUTIONS INC3 | P O BOX 700 CADILLAC, MI 49601 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 27.27% |
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 | 147 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | 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 | 149 | $1.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 252 | $80K |
| Vision | VISION SERVICE PLAN | 84 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $63K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 43 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $63K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 149 | $1.0M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
No prospect flags tripped on this filing.