| 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 | $18K | $2K | $20K | 13.55% |
| MILLS BENEFIT GROUP LLC3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 18.70% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 9.78% |
| LIFETIME FINANCIAL GROWTH OF M3 | 24255 W 13 MILE RD BINGHAM FARMS, MI 48025 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $475 | — | $475 | 0.60% |
| DEBORAH SLUITER3 | 877 E 16TH STREET HOLLAND, MI 49423 | PRIORITY HEALTH | $3K | — | $3K | 5.55% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | — | $2K | 3.88% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $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 | 166 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 26 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | PRIORITY HEALTH | 405 | $275K |
| Vision | VISION SERVICE PLAN | 172 | $45K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $148K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $148K |
| Prescription drug | PRIORITY HEALTH | 405 | $221K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH | 405 | $221K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 180 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.