| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KURT B. SWARDENSKI3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $37K | — | $37K | 4.00% |
| KURT B. SWARDENSKI3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $9K | — | $9K | 4.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.57% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.44% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 20.26% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 495034145 | VISION SERVICE PLAN | $865 | — | $865 | 6.54% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $66 | — | $66 | 0.50% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $626 | $382 | $1K | 16.11% |
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 | 136 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 213 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 254 | $90K |
| Vision | VISION SERVICE PLAN | 86 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $6K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $35K |
| Prescription drug(2 contracts) | PRIORITY HEALTH | 213 | $1.2M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 150 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 254 | — |
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.