| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAE ELLERY3 | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | $32K | $0 | $32K | 4.48% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $7K | $0 | $7K | 1.04% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | $0 | $504 | $504 | 0.07% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | UNKNOWN TRAVERSE CITY, MI 49684 | SECURIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.17% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 Filed as: WRIGHT AND ASSOCIATES INS. GROUP | UNKNOWN TRAVERSE CITY, MI 49684 | SECURIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 1115 TAYLOR AVENUE NORTH, SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.97% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $334 | $334 | 0.99% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | EYEMED VISION CARE | $707 | $0 | $707 | 9.35% |
| MEGHAN M TILTON3 Filed as: MEGHAN TILTON | 6813 CHERRYWOOD DRIVE KINGSLEY, MI 49649 | AFLAC | $138 | $0 | $138 | 7.88% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY LOWRAN | 9553 EAST WALKABOUT LANE TRAVERSE CITY, MI 49684 | AFLAC | $24 | $0 | $24 | 1.37% |
| THE HORTON GROUP3 Filed as: KRISTIN HORTON | 6275 THEISEN ROAD ELMIRA, MI 49730 | AFLAC | $2 | $0 | $2 | 0.11% |
| TRACY E BIELACZYC3 Filed as: TRACY BIELACZYC | 1621 PINCHERRY ROAD TRAVERSE CITY, MI 49696 | AFLAC | $1 | $0 | $1 | 0.06% |
| JEFFREY D HARNED3 Filed as: JEFFREY XAVER | 5300 EAGLES NEST LANE LELAND, MI 49654 | AFLAC | $1 | $0 | $1 | 0.06% |
| DOUGLAS FOX3 | 735 SOURTH GARFIELD AVENUE SUITE 203 TRAVERSE CITY, MI 49686 | AFLAC | $0 | $0 | $0 | 0.00% |
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 | 212 | 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) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 123 | $723K |
| Dental | SECURIAN LIFE INSURANCE COMPANY | 65 | $35K |
| Vision | EYEMED VISION CARE | 104 | $8K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $34K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 123 | $721K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 106 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.
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.