| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDWARD PEARSON3 | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | PRIORITY HEALTH | $41K | — | $41K | 1.46% |
| RYAN QUILLAN | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | PRIORITY HEALTH | $14K | — | $14K | 0.51% |
| KATHLEEN PUPEL | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $546 | — | $546 | 0.02% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $92K | $16K | $108K | 11.75% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 1.93% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | VISION SERVICE PLAN | $1K | — | $1K | 3.29% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $729 | $5K | 12.58% |
| 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 | — | $2K | 19.96% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $123 | $123 | 1.09% |
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 | 700 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 700 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 570 | $2.8M |
| Dental | DELTA DENTAL OF MICHIGAN | 700 | $268K |
| Vision | VISION SERVICE PLAN | 202 | $43K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $959K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $921K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 208 | $921K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 700 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.