| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER ST NW STE 200 GRAND RAPIDS, MI 49503 | HOUSTON INTERNATIONAL INSURANCE GROUP | $8K | — | $8K | 3.43% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP, INC. | 89 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORESOURCE, INC. EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $32K |
| AETNA- PPO EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | — | $12K |
| CHANGE HEALTHCARE EIN 20-5716594 NONE | Claims processing; Plan Administrator; Other services Service code 12 | — | $787 |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 198 | $72K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $8K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $8K |
| Stop-loss / reinsurancereinsurance | HOUSTON INTERNATIONAL INSURANCE GROUP | 0 | $228K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 115 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.