| 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 | $185K | — | $185K | 8.67% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $112K | — | $112K | 10.76% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 495125306 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 0.90% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE - KEUNING INS GROUP | 1115 TAYLOR AVE N. SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 0.25% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N. SUITE 112 GRAND RAPIDS, MI 49503 | FEDERAL INSURANCE COMPANY | — | — | $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 | 5,882 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 79 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 5,961 | 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 | 4,780 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 60 | $1.0M |
| Life insurance | RELIASTAR LIFE INSURANCE COMPANY | 10,125 | $2.1M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 4,080 | $1.0M |
| Other(4 contracts, 4 carriers) | RELIASTAR LIFE INSURANCE COMPANY | 10,125 | $3.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,125 | — |
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.