| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP | 434 EAST FRONT STREET TRAVERSE CITY, MI 49684 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 0.97% |
| ASR HEALTH BENEFITS3 | 618 KENMOOR AVE. SE GRAND RAPIDS, MI 49546 | COMPANION LIFE | $51K | $0 | $51K | 13.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INSURANCE GROUP | PO BOX 1439 HOLLAND, MI 49422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $1K | $5K | 5.99% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INSURANCE GROUP | PO BOX 1439 HOLLAND, MI 49422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $917 | $6K | 9.21% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INSURANCE GROUP | PO BOX 1439 HOLLAND, MI 49422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $206 | $2K | 12.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 TPA | Contract Administrator Service code 13 | — | $218K |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,228 | $430K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $13K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 530 | $76K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 493 | $60K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE | 530 | $407K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,228 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.