| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 LONIA AVENUE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $0 | $3K | $3K | 2.44% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 LONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 10.26% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 LONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.99% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 LONIA AVENUE SW GRAND RAPIDS, MI 49503 | CONTENTIAL AMERICAN INSURANCE | $514 | — | $514 | 4.18% |
| JEANNETTE SUE FOKSINSKI3 | 21325 BRIARCLIFF STREET SAINT CLAIR SHORES, MI 48082 | CONTENTIAL AMERICAN INSURANCE | $210 | $0 | $210 | 1.71% |
| RENEE M TRUDEAU3 Filed as: RENEE MICHELE TRUDEAU & OTHER AGENT | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTENTIAL AMERICAN INSURANCE | $98 | $0 | $98 | 0.80% |
| ALEXANDER MAIER3 Filed as: ALEXANDER RAMSEY MAIER | 14396 HAVERHILL DRIVE SHELBY TOWNSHIP, MI 48315 | CONTENTIAL AMERICAN INSURANCE | $79 | $0 | $79 | 0.64% |
| ANDREW J LOEWEN3 Filed as: ANDREW JAMES MITCHELL LOEWEN | 321 WEST HOBART AVENUE FINDLAY, OH 45840 | CONTENTIAL AMERICAN INSURANCE | $36 | $0 | $36 | 0.29% |
| GREG A GOULD3 Filed as: GREG GOULD | 8105 GINGKO WAY DEXTER, MI 48130 | CONTENTIAL AMERICAN INSURANCE | $32 | $0 | $32 | 0.26% |
| ALFREDO ROSAS3 | 7604 RED ARROW HIGHWAY, SUITE 66 WATERLIET, MI 49098 | CONTENTIAL AMERICAN INSURANCE | $31 | $0 | $31 | 0.25% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 296 | $108K |
| Vision | VISION SERVICE PLAN | 96 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $50K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $50K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 169 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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.