| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 3.19% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $15K | $392 | $16K | 15.38% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $14K | $358 | $14K | 15.39% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $260 | $10K | 15.38% |
| ADVANTAGE BENEFITS GROUP3 | 89 MONROE CENTER NW GRAND RAPIDS, MI 49503 | EYEMED | $2K | — | $2K | 6.76% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MA 49503 | EYEMED | $864 | — | $864 | 2.41% |
| ADVANTAGE BENEFITS GROUP3 | 1 IONIA AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $67 | $3K | 15.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $313K |
| 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 | 365 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 825 | $254K |
| Vision | EYEMED | 628 | $36K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 461 | $113K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 436 | $103K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 437 | $68K |
| Stop-loss / reinsurancereinsurance | UNITED HEALTHCARE INSURANCE COMPANY | 856 | $808K |
| Other(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 461 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.