| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN HUDSONVILLE, MI 49426 | BLUE CARE NETWORK OF MICHIGAN | $37K | — | $37K | 2.74% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 4.70% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $13K | $3K | $16K | 13.11% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER NW, SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $5K | — | $5K | 4.38% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1K | — | $1K | 5.10% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 25.00% |
| ROBERT J. MCCORMICK III LLC4 Filed as: ROBERT J. MCCORMICK III, LLC | 408 CHICAGO DRIVE, SUITE 633 JENISON, MI 49429 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | — | $2K | 33.30% |
| STEVEN L. JONES4 | 3182 RIVERVIEW DRIVE NW APARTMENT 3A GRAND RAPIDS, MI 49544 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $538 | — | $538 | 11.78% |
| AMBER C. JONES4 | 2623 WALDON WOODS DRIVE SW WYOMING, MI 49519 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $108 | — | $108 | 2.36% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 376 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 444 | $150K |
| Vision | VISION SERVICE PLAN | 134 | $24K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $121K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $121K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $121K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 376 | $1.5M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 209 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 444 | — |
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.