| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GAE ELLERY3 | UNKNOWN TRAVERSE CITY, MI 49686 | PRIORITY HEALTH | $19K | $0 | $19K | 3.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $1K | $6K | 16.65% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | SECURIAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.39% |
| WRIGHT & ASSOCIATES INSURANCE GROUP3 Filed as: WRIGHT AND ASSOCIATES INSURANCE GRP | UNKNOWN TRAVERSE CITY, MI 49684 | SECURIAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVENUE, SE GRAND RAPIDS, MI 49512 | EYEMED | $630 | — | $630 | 9.42% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED | $48 | — | $48 | 0.72% |
| MEGHAN M TILTON3 | 6813 CHERRYWOOD DRIVE KINGSLEY, MI 49649 | AFLAC | $126 | $0 | $126 | 7.54% |
| BRADLEY J LOWRAN3 Filed as: BRADLEY J LOWRIN | 9553 EAST WALKABOUT LANE TRAVERSE CITY, MI 49684 | AFLAC | $22 | $0 | $22 | 1.32% |
| THE HORTON GROUP3 Filed as: KRISTIN E HORTON | 6275 THEISEN ROAD ELMIRA, MI 49730 | AFLAC | $2 | $0 | $2 | 0.12% |
| TRACY E BIELACZYC3 | 1621 PINCHERRY ROAD TRAVERSE CITY, MI 49696 | AFLAC | $1 | $0 | $1 | 0.06% |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 111 | $635K |
| Dental | SECURIAN LIFE INSURANCE COMPANY | 64 | $32K |
| Vision | EYEMED | 87 | $7K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $34K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $34K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $34K |
| Prescription drug | PRIORITY HEALTH | 111 | $635K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 116 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.