No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 44NORTH EIN 20-0156574 PLAN ADMIN/ACCOUNTING | Accounting (including auditing); Plan Administrator Service code 10 | 1406 N. MITCHELL ST CADILLAC, MI 49601 | $189K |
| VAST EIN 38-1691372 INSURANCE BROKER/AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees; Other commissions Service code 22 | 300 S FRONT ST MARQUETTE, MI 49855 | $64K |
| LIGHTHOUSE GROUP EIN 38-3249365 INSURANCE BROKER/AGENT | Insurance agents and brokers Service code 22 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $36K |
| ACRISURE CORPORATE BENEFITS EIN 26-3554645 INSURANCE BROKER/AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | PO BOX 1788 GRAND RAPIDS, MI 49501 | $22K |
| HOME BUILDERS ASSOCIATION OF MICHIG EIN 38-1317052 PLAN SPONSOR | Other services; Other fees Service code 49 | 6427 CENTURION DRIVE 150B LANSING, MI 48917 | $10K |
| WHITAKER-LACHANCE EIN 26-3554645 INSURANCE BROKER/AGENT | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 2176 EAST CENTRE AVENUE PORTAGE, MI 49002 | $7K |
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 | 335 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 335 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 358 | $1.4M |
| Dental | PRIORITY HEALTH | 110 | $238K |
| Vision | PRIORITY HEALTH | 110 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.