| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | RELIASTAR LIFE INSURANCE COMPANY | $188K | — | $188K | 8.78% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP | PO BOX 1439 HOLLAND, MI 494221439 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $8K | $8K | 0.66% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $84K | — | $84K | 9.14% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N SUITE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $18K | — | $18K | 14.34% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.56% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N SUITE 112 GRAND RAPIDS, MI 49503 | FEDERAL INSURANCE COMPANY | — | — | $0 | — |
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 | 5,964 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 171 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 10,135 | $988K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 10,650 | $5.5M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 10,135 | $2.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,253 | $1.1M |
| Other(5 contracts, 5 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,135 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,650 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.