| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21K | $21K | 2.20% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | — | — | $0 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21K | $21K | 3.79% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $17K | $17K | 5.63% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | $43K | — | $43K | 17.07% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | $18K | — | $18K | 11.03% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | $31K | — | $31K | 19.93% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | — | $6K | $6K | 3.73% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $9K | $9K | 6.48% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW GRAND RAPIDS, MI 49503 | CIGNA INTERNATIONAL | — | — | $0 | — |
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 | 5,157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 48 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 148 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ALLSTATE BENEFITS | 485 | $411K |
| Dental | DELTA DENTAL OF MICHIGAN | 4,127 | $155K |
| Vision | VISION SERVICE PLAN | 3,331 | $627K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,773 | $1.1M |
| Short-term disability(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,773 | $1.7M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,773 | $300K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH | 4,286 | $988K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,773 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.