| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | UNKNOWN TRAVERSE CITY, MI 49684 | BLUE CARE NETWORK OF MICHIGAN | $26K | — | $26K | 4.17% |
| MANAGING AGENT3 | UNKNOWN TRAVERSE CITY, MI 49684 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 1.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 1115 TAYLOR AVENUE NORTH, SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $2K | $9K | 17.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 434 EAST FRONT STREET TRAVERSE CITY, MI 49686 | SECURIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 5.92% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 Filed as: WRIGHT AND ASSOCIATES INS. GROUP | 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 | EYEMED | $696 | — | $696 | 8.42% |
| MEGHAN M TILTON3 Filed as: MEGHAN M. TILTON | 12658 SHIPPY ROAD SW FIFE LAKE, MI 49633 | AFLAC | $150 | — | $150 | 8.23% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY J. LOWRAN | 9553 EAST WALKABOUT LANE TRAVERSE CITY, MI 49684 | AFLAC | $24 | — | $24 | 1.32% |
| JEAN PEIFFER3 Filed as: JEAN L. PEIFFER | 158 JH LANE SKANDIA, MI 49885 | AFLAC | $3 | — | $3 | 0.16% |
| MJ INSURANCE3 Filed as: SARA MENZEL AND VARIOUS AGENTS | 524 EAST OHIO STREET MARQUETTE, MI 49855 | AFLAC | $3 | — | $3 | 0.16% |
| THE HORTON GROUP3 Filed as: KRISTIN E. HORTON | 6275 THEISEN ROAD ELMIRA, MI 49730 | AFLAC | $2 | — | $2 | 0.11% |
| KATHLEEN S. COLLINS3 | 5235 19TH LANE GALDSTONE, MI 49837 | AFLAC | $1 | — | $1 | 0.05% |
| JEFFREY W XAVER3 Filed as: JEFFREY W. XAVER | 3982 ARLINGTON DRIVE WILLIAMSBURG, MI 49690 | AFLAC | $1 | — | $1 | 0.05% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 126 | $628K |
| Dental | SECURIAN LIFE INSURANCE COMPANY | 72 | $38K |
| Vision | EYEMED | 137 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $52K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $52K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $52K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 126 | $626K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 118 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.