| 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. | $438 | $0 | $438 | 0.18% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE COMPANY | 877 EAST 16TH STREET PO BOX 1439 HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $61 | $5K | 6.63% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE COMPANY | 877 EAST 16TH STREET HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $866 | $61 | $927 | 14.64% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE COMPANY | 877 EAST 16TH STREET PO BOX 1439 HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $762 | $61 | $823 | 16.34% |
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 | 149 | 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) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ASG RISK MANAGEMENT, INC. | 149 | $249K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $83K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $83K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 142 | $83K |
| Prescription drug | ASG RISK MANAGEMENT, INC. | 149 | $249K |
| Other(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 41 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.