| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 | 56 CESAR E CHAVEZ AVENUE, SUITE 3 GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | $20K | $40K | 11.49% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD, SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $15K | $15K | 4.18% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC | 3 PARKWAY NORTH BOULEVARD SUITE 300 DEERFIELD, IL 60015 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.14% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L. JOHNSON | 3850 EAST BASELINE ROAD, SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $7K | $7K | 2.02% |
| AERA GENERAL AGENCY INS. SERVICES3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 0.86% |
| LIGHTHOUSE GROUP3 | 1115 TAYLOR AVENUE, SUITE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 20.00% |
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 | 243 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 518 | $434K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $349K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $349K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $349K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 518 | $434K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 564 | $389K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.