| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EVE M. ROGUS3 Filed as: EVE M ROGUS | 877 E 16TH ST HOLLAND, MI 494221439 | BLUE CARE NETWORK OF MICHIGAN | $18K | — | $18K | 4.38% |
| EVE M. ROGUS3 Filed as: EVE M ROGUS | 877 E 16TH ST HOLLAND, MI 494221439 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $2K | — | $2K | 3.82% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 56 GRANDVILLE AVE SW #300 GRAND RAPIDS, MI 49503 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 12.77% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $519 | — | $519 | 5.75% |
| AGENT ALLIANCE CORPORATION3 | 500 CASCADE WEST PKWY SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE INSURANCE COMPANY | $58 | — | $58 | 0.64% |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 120 | $475K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 122 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.