| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON NICKEL3 Filed as: JASON D NICKEL | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | — | $29K | 2.70% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.11% |
| JASON NICKEL3 Filed as: JASON D NICKEL | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 2.75% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | — | $543 | $543 | 0.13% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP AG | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | GUARDIAN | $12K | — | $12K | 9.00% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP AG | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 7.61% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.58% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $667 | — | $667 | 4.25% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP AG | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $396 | — | $396 | 2.53% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $32 | — | $32 | 0.28% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JASON D NICKEL AGENT | Other fees; Non-monetary compensation; Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $41K |
| LIGHTHOUSE GROUP, AN ALERA GROUP AG AGENT | Insurance brokerage commissions and fees; Non-monetary compensation; Other fees; Other commissions; Insurance agents and brokers Service code 22 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $22K |
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 | 177 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 209 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 331 | $124K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 332 | $16K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 170 | $148K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 170 | $148K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 170 | $148K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 209 | $1.5M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 170 | $148K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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.