| 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 | $4K | $6K | $10K | 3.11% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, ALERA GROUP AGENC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $7K | — | $7K | 2.23% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 0.77% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $2K | $21K | 16.75% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 56 GRANDVILLE AVE SW, STE. 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $3K | — | $3K | 4.58% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE. SW, STE. 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $280 | — | $280 | 0.42% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.18% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DR. WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $242 | $3K | 6.15% |
| JAMES H. VAN EPPS3 Filed as: JAMES A. VAN EPPS | 10930 CRABAPPLE RD STE. 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $181 | $3K | 6.01% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS, CHRISTOPER | 798 BERRY RD. P.O. BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $822 | $52 | $874 | 2.00% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICA INSURANCE CO. | $2K | — | $2K | 11.76% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | UNITED AMERICA INSURANCE CO. | $777 | — | $777 | 5.88% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $332 | — | $332 | 2.53% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | EXPRESS SCRIPTS, INC. | $221 | — | $221 | 1.68% |
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 | 428 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 32 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED AMERICA INSURANCE CO. | 428 | $26K |
| Dental | DELTA DENTAL OF MICHIGAN | 740 | $321K |
| Vision | VISION SERVICE PLAN | 379 | $66K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $453K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $325K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 6 | $13K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 363 | $383K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 740 | — |
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.