| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUECROSS BLUESHIELD OF ILLINOIS | $11K | $0 | $11K | 3.35% |
| BAUGHMAN GROUP3 Filed as: BAUGHMAN GROUP, INC. | UNKNOWN GRAND RAPIDS, MI 49504 | BLUECROSS BLUESHIELD OF ILLINOIS | $2K | $0 | $2K | 0.64% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $48K | $12K | $60K | 18.76% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $21K | $0 | $21K | 7.77% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.47% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 45 | $337K |
| Dental | DELTA DENTAL OF MICHIGAN | 659 | $269K |
| Vision | VISION SERVICE PLAN | 224 | $33K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $317K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $317K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $317K |
| Prescription drug | BLUECROSS BLUESHIELD OF ILLINOIS | 45 | $337K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 311 | $324K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.