| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACHARY HAAN3 | 877 E 16TH ST HOLLAND, MI 49423 | PRIORITY HEALTH | $25K | — | $25K | 2.23% |
| AMY MCCULLOCH3 | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $12K | — | $12K | 1.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.13% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $2K | $5K | 14.70% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE CO | — | $944 | $944 | 2.82% |
| LIGHTHOUSE GROUP3 | 5380 CASCADE RD SE STE 150 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE CO | $141 | — | $141 | 0.42% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $975 | $3K | 19.66% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $488 | $488 | 2.97% |
| LIGHTHOUSE GROUP3 | 5380 CASCADE RD SE STE 150 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $138 | — | $138 | 0.84% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $873 | $3K | 19.68% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE CO | — | $436 | $436 | 2.94% |
| LIGHTHOUSE GROUP3 | 5380 CASCADE RD SE STE 150 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE CO | $179 | — | $179 | 1.21% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INS GROUP | 56 GRANDVILLE AVE, STE 300 GRAND RAPIDS, MI 49503 | EYE MED | $790 | — | $790 | 9.19% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $267 | $174 | $441 | 15.16% |
| NATIONAL BENEFIT CENTER3 | 6830 COCHRAN RD. SOLON, OH 44139 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $87 | $87 | 2.99% |
| LIGHTHOUSE GROUP3 | 5380 CASCADE RD SE STE 150 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $24 | — | $24 | 0.83% |
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 | 278 | 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) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 278 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 247 | $73K |
| Vision | EYE MED | 133 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 108 | $18K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 109 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 108 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.