| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | $158 | $4K | 4.53% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVENUE SW SUITE 300 GRAND RAPIDS, MI 495034145 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $54 | $8K | 15.01% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE- FIDELITY SECURITY LIFE INS. CO. | $202 | — | $202 | 9.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| APOSTROPHE, INC EIN 81-3126593 TPA | Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | 3858 WALNUT STREET SUITE 101 DENVER, CO 80205 | $91K |
| THE HILB GROUP OF NC INSURANCE BROKER | Direct payment from the plan; Insurance services; Other services; Insurance agents and brokers Service code 22 | DBA LAKE NORMAN BENEFITS 150 FAIRVIEW RD. STE. 320 MOORESVILLE, NC 28117 | $53K |
| CASTIA RX EIN 47-0764793 PBM - RX BENEFIT MGR | Other fees; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 12 | PO BOX 407 BOYS TOWN, NE 68010 | $2K |
| ADVANTAGE BENEFITS GROUP INC INSURANCE BROKER | Insurance brokerage commissions and fees; Non-monetary compensation; Other fees; Insurance agents and brokers Service code 22 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 305 | $83K |
| Vision | EYEMED VISION CARE- FIDELITY SECURITY LIFE INS. CO. | 285 | $2K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $55K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 181 | $312K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.