| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVENUE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.08% |
| ALEXANDER MAIER3 Filed as: ALEXANDER RAMSEY MAIER | 14396 HAVERHILL DRIVE SHELBY TOWNSHIP, MI 48315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $670 | $0 | $670 | 1.36% |
| RALPH C WILSON AGENCY INC3 Filed as: RALPH C. WILSON AGENCY, INC. | 26026 TELEGRAPH ROAD, SUITE 100 SOUTHFIELD, MI 48034 | CONTINENTAL AMERICAN INSURANCE COMPANY | $300 | $0 | $300 | 0.61% |
| MICHAEL L TRUDEAU3 Filed as: MICHAEL L. TRUDEAU | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $219 | $0 | $219 | 0.44% |
| RENEE M TRUDEAU3 Filed as: RENEE MICHELE TRUDEAU | 9331 US HIGHWAY 12 BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $207 | $0 | $207 | 0.42% |
| STEPHEN A GRACIN3 Filed as: STEPHEN A. GRACIN | 21229 FRAZHO SAINT CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | $0 | $3 | 0.01% |
| WENDY LYNN WITT3 | 1157 BOOTH STREET HOWELL, MI 48843 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$1K | $0 | -$1K | -2.45% |
| 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 | $3K | $0 | $3K | 6.91% |
| 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 | 9.99% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 255 | $74K |
| Vision | VISION SERVICE PLAN | 65 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $44K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 149 | $44K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 149 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.