| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 1115 TAYLOR AVENUE NORTH, SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | $236 | $7K | 13.07% |
| UNKNOWN3 | UNKNOWN TRAVERSE CITY, MI 49684 | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 4.71% |
| UNKNOWN3 | UNKNOWN TRAVERSE CITY, MI 49684 | BLUE CARE NETWORK OF MICHIGAN | $518 | — | $518 | 1.04% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 434 EAST FRONT STREET TRAVERSE CITY, MI 49686 | SECURIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| THE WRIGHT GROUP SERVICES3 | UNKNOWN TRAVERSE CITY, MI 49684 | SECURIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | VISION SERVICE PLAN | $792 | — | $792 | 7.43% |
| MEGHAN M TILTON3 Filed as: MEGHAN M. TILTON | 12658 SHIPPY ROAD SW FIFE LAKE, MI 49633 | AFLAC | $180 | — | $180 | 6.75% |
| JEAN PEIFFER3 Filed as: JEAN L. PEIFFER | 158 JH LANE SKANDIA, MI 49885 | AFLAC | $38 | — | $38 | 1.43% |
| BRADELY J. LOWRAN3 | 9553 EAST WALKABOUT LANE TRAVERSE CITY, MI 49684 | AFLAC | $29 | — | $29 | 1.09% |
| KATHLEEN S. COLLINS3 | 5235 19TH LANE GLADSTONE, MI 49837 | AFLAC | $17 | — | $17 | 0.64% |
| SARA MENZEL3 | 524 EAST OHIO STREET MARQUETTE, MI 49855 | AFLAC | $10 | — | $10 | 0.38% |
| ANDREW K GLAUB3 Filed as: ANDREW K. GLAUB | 2150 ASSOCIATION DRIVE, SUITE 150 OKEMOS, MI 48864 | AFLAC | $5 | — | $5 | 0.19% |
| MJ INSURANCE3 Filed as: JEFFREY W. XAVER AND VARIOUS AGENTS | 3982 ARLINGTON DRIVE WILLIAMSBURG, MI 49690 | AFLAC | $3 | — | $3 | 0.11% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 15 | $50K |
| Dental | SECURIAN LIFE INSURANCE COMPANY | 75 | $38K |
| Vision | VISION SERVICE PLAN | 76 | $11K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $54K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $54K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 15 | $50K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 114 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.