| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | $22K | — | $22K | 4.75% |
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 877 E 16TH ST HOLLAND, MI 49422 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $818 | — | $818 | 4.10% |
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 11.57% |
| BENEFIT PROFILES INC | 4500 CASCADE ROAD SE STE 106 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $611 | — | $611 | 5.78% |
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 | 149 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 147 | $476K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 149 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.