| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.61% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.39% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.42% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $879 | — | $879 | 2.58% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER ST. NW STE 200 GRAND RAPIDS, MI 495032900 | VISION SERVICE PLAN | $1K | — | $1K | 3.82% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE DEPT. 1446 CHICAGO, IL 60675 | VISION SERVICE PLAN | $274 | — | $274 | 0.97% |
| MILLS BENEFIT GROUP LLC3 | STE 112 1115 TAYLOR AVE. N. GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $638 | — | $638 | 4.51% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER NW STE. 200 GRAND RAPIDS, MI 49508 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 1.06% |
| MILLS, JAMIE, R3 | 55 CAMPAU NW SUITE 150 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 0.17% |
| MILLS, JAMIE, R3 | 1115 TAYLOR AVE, N SUITE 112 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $12 | — | $12 | 0.08% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $115 | — | $115 | 6.67% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | 75 REMITTANCE DRIVE LOCKBOX 1446 ACCT#302152 CHICAGO, IL 60675 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $43 | — | $43 | 2.50% |
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 | 256 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 156 | $28K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 209 | $34K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 344 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.