| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVE ROGUS | 1115 TAYLOR AVENUE, SUITE 112 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $22K | $0 | $22K | 2.00% |
| EVE ROGUS3 | 1115 TAYLOR AVENUE SUITE 112 GRAND RAPIDS, MI 49503 | PRIORITY | $2K | $0 | $2K | 2.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 4.99% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 877 EAST 16TH STREET HOLLAND, MI 494239130 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $1K | $14K | 14.26% |
| UNKNOWN3 | UNKNOWN KALAMAZOO, MI 49009 | VISION SERVICE PLAN | $0 | $6K | $6K | 29.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUENING INS. GROUP, INC | PO BOX 1439 HOLLAND, MI 49422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $514 | $545 | $1K | 9.74% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 4808 BRCADMOOR SE GRAND RAPIDS, MI 49512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $33 | $3 | $36 | 0.33% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 220 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 323 | $113K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 156 | $23K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $98K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $98K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $98K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 220 | $1.2M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 371 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 371 | — |
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."
No prospect flags tripped on this filing.