| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN WYK LLC3 Filed as: VAN DE VENTER | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $51K | $0 | $51K | 3.00% |
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | $0 | $7K | 5.32% |
| LIGHTHOUSE GROUP INSURANCE3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $628 | $628 | 0.48% |
| LIGHTHOUSE GROUP INSURANCE3 | 56 CESAR E CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, OH 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $11K | $5K | $16K | 16.48% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.11% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | HEALTHIESTYOU C/O TELADOC HEALTH INC | $4K | — | $4K | 15.00% |
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 | 224 | 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) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 347 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 350 | $130K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 350 | $130K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $97K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $97K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 224 | $97K |
| Prescription drug | PRIORITY HEALTH | 347 | $1.7M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 300 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 350 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.