| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | — | — | $0 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $21K | $21K | 2.44% |
| 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 | — | $20K | $20K | 3.47% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $16K | $16K | 5.67% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | -$23 | — | -$23 | -0.01% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | — | $5K | $5K | 3.54% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | $29K | — | $29K | 20.70% |
| SUNBELT WORKSITE MARKETING3 | PO BOX 1287 AUBURNDALE, FL 33823 | ALLSTATE BENEFITS | $2 | — | $2 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 6.13% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | ALLSTATE BENEFITS | $27K | — | $27K | 21.79% |
| SUNBELT WORKSITE MARKETING3 | PO BOX 1287 AUBURNDALE, FL 33823 | ALLSTATE BENEFITS | $6 | — | $6 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $112 | — | $112 | 5.00% |
| SUNBELT WORKSITE MARKETING3 | PO BOX 1287 AUBURNDALE, FL 33823 | ALLSTATE BENEFITS | $26 | — | $26 | 9.92% |
| SUNBELT WORKSITE MARKETING3 | PO BOX 1287 AUBURNDALE, FL 33823 | ALLSTATE BENEFITS | $7 | — | $7 | 7.95% |
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 | 5,445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 61 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 110 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,616 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | ALLSTATE BENEFITS | 532 | $142K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 3,968 | $150K |
| Vision | VISION SERVICE PLAN | 3,155 | $619K |
| Life insurance(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,725 | $999K |
| Short-term disability(4 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,725 | $1.7M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,725 | $283K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH | 4,053 | $942K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,725 | — |
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.