| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY MCCULLOCH3 Filed as: AMY MCCULLOUCH | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $30K | — | $30K | 2.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $5K | 14.41% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 16.26% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 20.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $652 | $2K | 15.94% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $822 | — | $822 | 10.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $662 | $337 | $999 | 15.08% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNION SECURITY INSURANCE COMPANY EIN 81-0170040 TPA | Claims processing; Non-monetary compensation; Insurance agents and brokers; Other fees Service code 12 | — | $90K |
| LIGHTHOUSE INSURANCE GROUP INC. BROKER | Other commissions; Insurance agents and brokers Service code 22 | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | $2K |
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 | 227 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 295 | $1.5M |
| Vision | VISION SERVICE PLAN | 128 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $7K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 8 | $8K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $37K |
| Prescription drug | PRIORITY HEALTH | 295 | $1.5M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 227 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.