| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZACHARY HAAN3 | 877 E 16TH ST HOLLAND, MI 49423 | PRIORITY HEALTH | $33K | — | $33K | 3.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.78% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE CO | $3K | $2K | $5K | 15.71% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | — | $997 | $997 | 3.06% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $987 | $3K | 20.74% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $493 | $493 | 3.05% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE CO | $2K | $898 | $3K | 20.99% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE CO | — | $449 | $449 | 2.99% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INS GROUP | 56 GRANDVILLE AVE, STE 300 GRAND RAPIDS, MI 49503 | EYE MED | $1K | — | $1K | 11.81% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $294 | $178 | $472 | 16.07% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $89 | $89 | 3.03% |
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 | 259 | 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) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 259 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 225 | $70K |
| Vision | EYE MED | 121 | $9K |
| Life insurance(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 102 | $18K |
| Short-term disability(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE CO | 102 | $51K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.