| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $7K | $17K | 4.17% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $9K | $857 | $10K | 3.06% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $2K | $22K | 16.75% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE. SW, STE. 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $3K | — | $3K | 5.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.33% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS, CHRISTOPER | 2928 FOSTER CREIGHTON DR. NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $304 | $4K | 7.02% |
| NEVEN L FOX3 Filed as: NEVEN L. FOX | 55 CAMPAU AVE. NW GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $2K | $451 | $2K | 11.84% |
| GENE J GILMORE3 Filed as: GENE J. GILMORE | 55 CAMPAU AVE. NW GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $605 | $67 | $672 | 3.54% |
| JD GENERAL AGENCY LLC3 | 55 CAMPAU AVE. NW GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | $346 | $13 | $359 | 1.89% |
| JOHN FOLKERT3 | 55 CAMPAU AVE. NW GRAND RAPIDS, MI 49503 | NORTHWESTERN MUTUAL | — | $7 | $7 | 0.04% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICA INSURANCE CO. | $1K | — | $1K | 11.77% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNITED AMERICA INSURANCE CO. | $511 | — | $511 | 5.88% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $228 | — | $228 | 2.64% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | EXPRESS SCRIPTS, INC. | $152 | — | $152 | 1.76% |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ENCOMPASS, LLC | 423 | $25K |
| Dental | DELTA DENTAL OF MICHIGAN | 767 | $328K |
| Vision | VISION SERVICE PLAN | 378 | $68K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $533K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $420K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 4 | $9K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 421 | $469K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 767 | — |
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.