| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SARAH C HOFFMAN3 Filed as: SARAH M HUDSON | 56 GRANDVILLE AVE, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $20K | — | $20K | 2.76% |
| ERIC BLANCHARD3 | 56 GRANDVILLE AVE, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $2K | — | $2K | 0.24% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON MCGREGOR & ASSOCIATES | 1368 BUSINESS PARK DR. TRAVERSE CITY, MI 49686 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 13.26% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE SW GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 11.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 56 GRANDVILLE SW GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 2.04% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 24255 WEST 13 MILE ROAD BINGHAM, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $558 | — | $558 | 0.62% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 24255 WEST 13 MILE ROAD BINGHAM, MI 48025 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $80 | — | $80 | 0.09% |
| LIFETIME FINANCIAL GROWTH OF MI3 | 24255 WEST 13 MILE ROAD BINGHAM, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $43 | — | $43 | 0.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW, SUITE 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $526 | — | $526 | 7.68% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC. | 600 S WALNUT ST LANSING, MI 489332209 | VISION SERVICE PLAN | $509 | — | $509 | 7.43% |
| PETERSON MCGREGOR & ASSOCIATES INC.3 Filed as: PETERSON, MCGREGOR & ASSOCIATES | 1368 BUSINES PARK DR TRAVERSE CITY, MI 496868640 | VISION SERVICE PLAN | $55 | — | $55 | 0.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 56 GRANDVILLE AVE SW, SUITE 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $55 | — | $55 | 0.80% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 128 | $717K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $90K |
| Vision | VISION SERVICE PLAN | 59 | $7K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $90K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $90K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $90K |
| Prescription drug | PRIORITY HEALTH | 128 | $717K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.