| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $71K | $0 | $71K | 3.00% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $38K | $4K | $42K | 16.06% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.21% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | STARMOUNT LIFE INSURANCE COMPANY | $8K | $3K | $11K | 6.78% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
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 | 333 | 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) | 333 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 449 | $2.4M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 271 | $169K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 271 | $169K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 333 | $262K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 333 | $262K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 333 | $262K |
| Prescription drug | PRIORITY HEALTH | 449 | $2.4M |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 333 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.