| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, ALERO GRP AGENCY | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $10K | 2.55% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 - 44TH ST. SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 1.70% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 - 44TH ST. SW GRANDVILLE, MI 49468 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 1.75% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, ALERA GROUP AGENC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 1.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | 3055 - 44TH ST. SW GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $13K | 9.44% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GRP AGCY | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $11K | 7.45% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS STUIT INS AGENCY | P.O. BOX 953 GRANDVILLE, MI 49468 | VISION SERVICE PLAN | $2K | — | $2K | 3.33% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP | 56 GRANDVILLE AVE SW, STE. 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $1K | — | $1K | 1.66% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GRP AGCY | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $810 | — | $810 | 6.41% |
| CHARLES D. BLOCK3 | 648 VILLAGE PARK DR. WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $718 | $70 | $788 | 6.23% |
| JAMES H. VAN EPPS3 Filed as: JAMES A. VAN EPPS | 10930 CRABAPPLE RD STE. 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $718 | $53 | $771 | 6.10% |
| SMITH, THOMAS, CHRISTOPHER3 Filed as: SMITH, THOMAS, CHRISTOPER | 798 BERRY RD. P.O. BOX 40386 NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114 | — | $114 | 0.90% |
| AMWINS5 Filed as: AMWINS GROUP BENEFITS LLC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | EXPRESS SCRIPTS, INC. | $284 | — | $284 | 2.39% |
| BHS INSURANCE - GRANDVILLE3 | P.O. BOX 953 GRANDVILLE, MI 49468 | EXPRESS SCRIPTS, INC. | $126 | — | $126 | 1.06% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP, INC. | 877 EAST 16TH ST. HOLLAND, MI 49423 | EXPRESS SCRIPTS, INC. | $63 | — | $63 | 0.53% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | UNITED AMERICA INSURANCE CO. | $1K | — | $1K | 11.76% |
| BHS INSURANCE - GRANDVILLE3 | P.O. BOX 953 GRANDVILLE, MI 49468 | UNITED AMERICA INSURANCE CO. | $444 | — | $444 | 3.92% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP, INC. | 877 EAST 16TH ST. HOLLAND, MI 49423 | UNITED AMERICA INSURANCE CO. | $222 | — | $222 | 1.96% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 485 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ENCOMPASS, LLC | 425 | $24K |
| Dental | DELTA DENTAL OF MICHIGAN | 767 | $341K |
| Vision | VISION SERVICE PLAN | 384 | $72K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $525K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $384K |
| Prescription drug | EXPRESS SCRIPTS, INC. | 5 | $12K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $416K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.