| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABC INSURANCE SERVICES, INC3 Filed as: ABC COMPANY | X GRAND RAPIDS, MI 12345 | BLUE CARE NETWORK OF MICHIGAN | $35K | $0 | $35K | 3.30% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER ST SW STE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 4.67% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW STE 200 GRAND RAPIDS, MI 49503 | SUN LIFE ASSURANCE OF CANADA | $5K | $0 | $5K | 9.29% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER ST NW STE 200 GRAND RADIPS, MI 49503 | VISION SERVICE PLAN | $894 | $0 | $894 | 6.36% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 338 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 272 | $91K |
| Vision | VISION SERVICE PLAN | 118 | $14K |
| Life insurance | SUN LIFE ASSURANCE OF CANADA | 208 | $50K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 208 | $50K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 338 | $1.1M |
| Other | SUN LIFE ASSURANCE OF CANADA | 208 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.