| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT HUGHES3 | ADVANTAGE BENEFIT SOLUTIONS 89 MONROE CENTER SUITE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 2.73% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CTR NW STE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $12K | $1K | $13K | 16.69% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CTR NW STE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $2K | $13K | 18.05% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CTR NW STE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 17.34% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW GRAND RAPIDS, MI 49503 | EYEMED | $2K | — | $2K | 10.00% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CTR NW STE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $390 | $2K | 17.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $236K |
| ADVANTAGE BENEFITS GROUP EIN 38-3366063 BROKER | Other commissions Service code 55 | — | $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 | 269 | 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) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 605 | $184K |
| Vision | EYEMED | 489 | $23K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 716 | $85K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $78K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 349 | $52K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 630 | $596K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 716 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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."
No prospect flags tripped on this filing.