| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $30K | $0 | $30K | 2.00% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | $338 | $4K | 3.30% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | NATIONWIDE LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.92% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $1K | $33K | 78.17% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | STARMOUNT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 306 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 336 | $118K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 170 | $17K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 214 | $98K |
| Short-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 214 | $98K |
| Long-term disability | NATIONWIDE LIFE INSURANCE COMPANY | 214 | $98K |
| Prescription drug | PRIORITY HEALTH | 306 | $1.5M |
| Other(2 contracts, 2 carriers) | NATIONWIDE LIFE INSURANCE COMPANY | 214 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.