| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | ROBERT HUGHES 1 IONIA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHGAN | $2K | $183 | $2K | 2.95% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | ROBERT HUGHES 4049 STANLEY ROAD COLUMBIAVILLE, MI 48421 | DELTA DENTAL OF MICHGAN | $2K | — | $2K | 2.05% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $11 | $10K | 16.32% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE - FIDELITY SECURITY LIFE INS CO | $187 | — | $187 | 10.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPASS BENEFITS GROUP EIN 37-1700328 INSURANCE BROKER | Other services; Insurance services; Direct payment from the plan; Insurance agents and brokers Service code 22 | 10327 GRAND RIVER DRIVE SUITE 406 BRIGHTON, MI 48116 | $56K |
| CONSOCIATE HEALTH EIN 37-1351918 TPA | Recordkeeping and information management (computing, tabulating, data processing, etc.); Plan Administrator; Contract Administrator; Direct payment from the plan; Claims processing Service code 12 | 2828 N MONROE STREET DECATUR, IL 62526 | $51K |
| 6 DEGREES HEALTH EIN 81-4242649 REPRICER/ COST CONTAINER | Other services Service code 49 | 5800 NE PINEFARM CT. SUITE 200 HILLSBORO, OR 97124 | $41K |
| AIMM - AULT INTL. MEDICAL MGMT. EIN 13-4254735 U/R & PRECERT | Consulting (general); Other services Service code 16 | 1491 POLARIS PARKWAY BOX 213 COLUMBUS, OH 43240 | $16K |
| TRUE RX HEALTH STRATEGISTS PBM | Contract Administrator; Plan Administrator; Claims processing; Direct payment from the plan Service code 12 | 7 WILLIAMS BROS DRIVE WASHINGTON, IN 47501 | $11K |
| MULTI-PLAN EIN 13-3068979 NETWORK RENTAL/ BILL AUDI | Other services; Accounting (including auditing) Service code 10 | PO BOX 29380 NEW YORK, NY 10087 | $8K |
| MEMED - TELE- MED FEES EIN 46-3279589 SVC. PROVIDER | Direct payment from the plan; Other services Service code 49 | 16211 N. SCOTTSDALE ROAD SUITE A6A SCOTTSDALE, AZ 85254 | $5K |
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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHGAN | 280 | $78K |
| Vision | EYEMED VISION CARE - FIDELITY SECURITY LIFE INS CO | 248 | $2K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $61K |
| Stop-loss / reinsurancereinsurance | ATLANTIC SPECIALTY INSURANCE COMPANY | 166 | $277K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 173 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.