| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD PEARSON | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | PRIORITY HEALTH | $35K | — | $35K | 1.31% |
| JAMIE MILLS3 | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $18K | — | $18K | 0.66% |
| KATHLEEN PUPEL | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $358 | — | $358 | 0.01% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $97K | $22K | $119K | 13.65% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE - KEUNING INSURANCE | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $5K | $15K | $20K | 9.45% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | VISION SERVICE PLAN | $1K | — | $1K | 3.07% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $690 | $3K | 11.46% |
| MILLS BENEFIT GROUP LLC3 Filed as: MILLS BENEFIT GROUP | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $75 | $2K | 20.65% |
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $96 | $96 | 0.84% |
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 | 635 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 635 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 530 | $2.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 635 | $208K |
| Vision | VISION SERVICE PLAN | 193 | $44K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $902K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $872K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 194 | $872K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 635 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.