| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $4K | $7K | 9.31% |
| ONI RISK PARTNERS INC3 Filed as: ONI RISK PARTNERS, INC. | 11711 N MERIDIAN ST STE 700 CARMEL, IN 46032 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $812 | — | $812 | 1.15% |
| ADV. BENEFITS GROUP,INC.-KURT S3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 4.83% |
| EPIC3 Filed as: EPIC INS MIDWEST - JOHN ANTVELINK | 600 EAST 96TH STREET SUITE 400 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF MICHIGAN | $782 | — | $782 | 1.51% |
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 | 110 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 164 | $52K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $70K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $70K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 110 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.