| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $28K | $4K | $31K | 16.94% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE NW SUITE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 20.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | VISION SERVICE PLAN | $2K | — | $2K | 4.04% |
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 194 | $41K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $185K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $185K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH INSURANCE COMPANY | 447 | $16K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 190 | $283K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 447 | — |
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.