| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 Filed as: C ROBERT HUGHES | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 495034145 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 5.22% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 495034145 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $17 | $14K | 23.82% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 495034145 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE CO | $239 | — | $239 | 10.06% |
| KURT B. SWARDENSKI3 Filed as: KURT B SWARDENSKI | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 495032662 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | $24K | $38K | — |
| ADVANTAGE BENEFITS GROUP | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 495032662 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA; STOP LOSS INSURANCE | Insurance services; Float revenue; Claims processing; Contract Administrator; Consulting (general); Other fees; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | 600 EAST LAFAYETTE BLVD DETROIT, MI 482262998 | $166K |
| PHARMACEUTICAL TECHNOLOGIES, INC. EIN 47-0764793 TPA | Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Direct payment from the plan Service code 12 | PO BOX 407 BOYS TOWN, NE 68010 | $3K |
| ADVANTAGE BENEFITS GROUP INC AGENT/ BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers; Other commissions; Other fees Service code 22 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 495032662 | $0 |
| KURT B SWARDENSKI AGENT/ BROKER | Other commissions; Other fees; Insurance brokerage commissions and fees; Non-monetary compensation; Insurance agents and brokers Service code 22 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 495032662 | $0 |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 362 | $99K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INSURANCE CO | 332 | $2K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $58K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $0 |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 196 | $0 |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.