| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE COMPANY | 877 EAST 16TH STREET HOLLAND, MI 49423 | ASG RISK MANAGEMENT, INC. | $0 | $27K | $27K | 14.34% |
| PROFESSIONAL BENEFITS SERVICES3 | 5300 PATTERSON AVENUE SE SUITE 150 GRAND RAPIDS, MI 49512 | ASG RISK MANAGEMENT, INC. | $0 | $22K | $22K | 11.81% |
| COFINITY3 Filed as: COFINITY, INC. | 4371 PAYSPHERE CIRCLE CHICAGO, IL 60674 | ASG RISK MANAGEMENT, INC. | $0 | $14K | $14K | 7.21% |
| MEDWATCH LLC3 Filed as: MEDWATCH, LLC | 120 INTERNATIONAL PARKWAY SUITE 220 LAKE MARY, FL 32746 | ASG RISK MANAGEMENT, INC. | $0 | $7K | $7K | 3.51% |
| UNITED CLAIMS SOLUTIONS LLC3 | PO BOX 310481 DES MOINES, IA 50331 | ASG RISK MANAGEMENT, INC. | $486 | $0 | $486 | 0.26% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP INC | 877 EAST 16TH STREET HOLLAND, TX 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $962 | $5K | 8.63% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASG RISK MANAGEMENT, INC. | 145 | $190K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $58K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $58K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 145 | $58K |
| Prescription drug | ASG RISK MANAGEMENT, INC. | 145 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.