| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT L. HUGHES3 | 1 IONIA AVENUE SOUTHWEST SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $41K | $0 | $41K | 3.50% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 1 IONIA AVENUE SOUTHWEST SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 6.46% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 1 IONIA AVENUE SOUTHWEST SUITE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $1K | $9K | 14.12% |
| ADVANTAGE BENEFIT SOLUTIONS3 | 1 IONIA AVENUE SOUTHWEST SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $937 | $0 | $937 | 6.15% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 319 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 320 | $97K |
| Vision | VISION SERVICE PLAN | 100 | $15K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $61K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $61K |
| Prescription drug | PRIORITY HEALTH | 319 | $1.2M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 123 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.