| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 Filed as: ROBERT L HUGHES | 89 MONROE CENTER SW SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $50K | $0 | $50K | 3.02% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.86% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.72% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | $4K | $13K | 9.90% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 3.45% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC. | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.81% |
| OLIVIER VANDYK INSURANCE3 Filed as: OLIVIER VANDYK INSURANCE AGENCY | 2780 44TH STREET SW WYOMING, MI 49519 | VISION SERVICE PLAN | $287 | $0 | $287 | 1.07% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 25.00% |
| ROBERT L. HUGHES3 Filed as: ROBERT L HUGHES | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $329 | $0 | $329 | 3.00% |
| ROBERT J. MCCORMICK III LLC4 Filed as: ROBERT J MCCORMICK III LLC | 408 CHICAGO DRIVE UNIT 633 JENISON, MI 49429 | PRE-PAID LEGAL SERVICES, INC. | $4K | $0 | $4K | 43.45% |
| STEVEN L. JONES4 | 3182 RIVERVIEW DRIVE NW APARTMENT 3A GRAND RAPIDS, MI 49544 | PRE-PAID LEGAL SERVICES, INC. | $446 | $0 | $446 | 4.33% |
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 | 228 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 455 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 467 | $146K |
| Vision | VISION SERVICE PLAN | 142 | $27K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $130K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $130K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $130K |
| Prescription drug(2 contracts) | PRIORITY HEALTH | 455 | $1.7M |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.