| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK R CONNER3 | 3715 NORTHSIDE PARKWAY S#1-500 ATLANTA, GA 30327 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $46K | — | $46K | 2.81% |
| JASON NICKEL3 Filed as: JASON D NICKEL | 4808 BROADMOOR SOUTHEAST GRAND RAPIDS, MI 49512 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 0.87% |
| MARK METTILLE3 Filed as: MARK CONNER | 3715 NORTHSIDE PARKWAY S#1-500 ATLANTA, GA 30327 | BLUE CARE NETWORK OF MICHIGAN | $19K | — | $19K | 4.05% |
| JASON NICKEL3 | 4808 BROADMOOR SE GRAND RAPIDS, MI 49125 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.05% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PARKWAY NORTHWEST BUILDING 100, SUITE 500 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $2K | $30K | 15.67% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PARKWAY NORTHWEST ATLANTA, GA 30327 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 4.93% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SOUTHEAST GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.21% |
| IRONWOOD BENEFITS ADVISORY SERVICES3 | 3715 NORTHSIDE PKWY NW BLDG 100 SUITE 500 ATLANTA, GA 30327 | METROPOLITAN LIFE INSURANCE COMPANY | $29K | $4K | $33K | 23.31% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 1115 TAYLOR AVENUE NORTH GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $110 | $7K | 4.63% |
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 | 173 | 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) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 370 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 462 | $172K |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $333K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $333K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 464 | $191K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $333K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 370 | $2.1M |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 467 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 467 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.