| 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 | PRIORITY HEALTH | $42K | — | $42K | 3.00% |
| JASON NICKEL3 Filed as: JASON D NICKEL | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $6K | — | $6K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP AG | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | GUARDIAN | $12K | — | $12K | 8.74% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | GUARDIAN | — | $4K | $4K | 3.15% |
| 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 | $13K | — | $13K | 10.06% |
| 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 | $2K | — | $2K | 10.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| JASON D NICKEL AGENT | Insurance agents and brokers; Other fees; Other commissions; Non-monetary compensation; Insurance brokerage commissions and fees Service code 22 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $48K |
| LIGHTHOUSE GROUP, AN ALERA GROUP AG AGENT | Non-monetary compensation; Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees; Other fees Service code 22 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $27K |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 265 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 332 | $128K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 289 | $15K |
| Life insurance | GUARDIAN | 162 | $143K |
| Short-term disability | GUARDIAN | 162 | $143K |
| Long-term disability | GUARDIAN | 162 | $143K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 265 | $1.6M |
| Other | GUARDIAN | 162 | $143K |
| 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.