| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REBEKAH VANBEEK3 | 2780 44TH STREET SW WYOMING, MI 49519 | PRIORITY HEALTH | $62K | $0 | $62K | 3.67% |
| ROBERT L. HUGHES3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $5K | $0 | $5K | 0.32% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | $2K | $28K | 12.65% |
| 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 | $5K | $205 | $5K | 2.29% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | UNUM INSURANCE COMPANY | $9K | $869 | $10K | 12.60% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $1K | $42 | $1K | 1.46% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $7K | $0 | $7K | 9.36% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $465 | $0 | $465 | 0.66% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | STARMOUNT LIFE INSURANCE COMPANY | $1K | $135 | $1K | 8.76% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | STARMOUNT LIFE INSURANCE COMPANY | $200 | $12 | $212 | 1.53% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 203 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 209 | $70K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 128 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $225K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $225K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $225K |
| Prescription drug | PRIORITY HEALTH | 203 | $1.7M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 192 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.