| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2850 GOLF RD FL 4 ROLLING MEADOWS, IL 60008 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 1.75% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 1.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $236 | $3K | 3.22% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $623 | — | $623 | 0.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $233 | $8K | 10.14% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 5.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $161 | $4K | 6.01% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $669 | — | $669 | 0.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SVCS INC | 30150 TELEGRAPH RD SUITE 408 BINGHAM FARMS, MI 48025 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $5K | — | $5K | 9.93% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $902 | — | $902 | 1.68% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW SUITE 200 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | $893 | — | $893 | 1.67% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF MICHIGAN EIN 38-2069753 TPA | Insurance services; Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Consulting (general); Other fees; Direct payment from the plan; Claims processing; Contract Administrator Service code 12 | — | $373K |
| BETH W. WIERENGA AGENT/BROKER | Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers Service code 22 | 2126 WATERMARK DR SE GRAND RAPIDS, MI 495469021 | $0 |
| GALLAGHER BENEFITS SERVICES AGENT/BROKER | Insurance brokerage commissions and fees; Other fees; Insurance agents and brokers; Other commissions; Non-monetary compensation Service code 22 | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | $0 |
| MICHAEL G. GREEN AGENT/BROKER | Non-monetary compensation; Other fees; Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 30150 TELEGRAPH RD STE 408 BINGHAM FARMS, MI 48025 | $0 |
| ROBERT L. HUGHES AGENT/BROKER | Insurance agents and brokers; Other fees; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions Service code 22 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 495032662 | $0 |
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 | 648 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 664 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,269 | $485K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED VISION CARE) | 1,204 | $54K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 593 | $186K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 550 | $70K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 593 | $186K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,269 | — |
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.