| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER ST STE 200 GRAND RAPIDS, MI 495032900 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $20K | $20K | 2.79% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER ST NW SUITE 200 GRAND RAPIDS, MI 495032900 | VISION SERVICE PLAN | $7K | — | $7K | 1.29% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER ST STE 200 GRAND RAPIDS, MI 495032900 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $15K | $15K | 3.60% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | $70K | — | $70K | 25.02% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER STE 200 GRAND RAPIDS, MI 495032900 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 3.28% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | $27K | — | $27K | 14.60% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER STE 200 GRAND RAPIDS, MI 495032900 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 3.89% |
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 | 5,176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 26 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ALLSTATE BENEFITS | 970 | $200K |
| Dental | DELTA DENTAL OF MICHIGAN | 4,080 | $2.9M |
| Vision | VISION SERVICE PLAN | 3,163 | $512K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5,176 | $847K |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5,176 | $1.3M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 5,176 | $274K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH | 4,422 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,176 | — |
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.