| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG CALKINS3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $63K | $0 | $63K | 2.46% |
| EVE M. ROGUS3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $13K | $0 | $13K | 0.49% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.08% |
| LIGHTHOUSE GROUP3 | 56 CESAR E CHAVEZ AVENUE SW SUITE 3 GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 7.23% |
| DOUG CALKINS3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | $0 | $2K | 2.49% |
| EVE M. ROGUS3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $426 | — | $426 | 0.49% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $78 | $78 | 0.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, OH 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | $0 | $8K | 14.11% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, SUITE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $404 | $404 | 0.76% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.01% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 336 | $2.6M |
| Vision | VISION SERVICE PLAN | 165 | $30K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $53K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $125K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 156 | $125K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 336 | $2.6M |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 174 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 336 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.