| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN A VAN DE VENTER3 | LIGHTHOUSE-KEUNING AGENCY 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $41K | $2K | $43K | 1.10% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 4808 BROADMOORE AVE SE GRAND RAPIDS, MI 49512 | DELTA DENTAL | $4K | — | $4K | 0.80% |
| FRAZIER FINANCIAL SERVICES LLC3 | 2322 CASCASE LAKES CIRCLE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $21K | — | $21K | 13.50% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | PO BOX 1439 HOLLAND, MI 494239130 | VSP | $2K | — | $2K | 2.97% |
| VARIPRO3 | 5300 PATTERSON AVE SUITE 150 GRAND RAPIDS, MI 49512 | UNITED AMERICAN | — | $2K | $2K | 3.31% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, BOB HEI | 877 EAST 16TH STREET HOLLAND, MI 49423 | UNITED AMERICAN | $2K | — | $2K | 2.21% |
| FRAZIER FINANCIAL SERVICES LLC3 | 2322 CASCASE LAKES CIRCLE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 13.50% |
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.97% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOORE AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.97% |
| HODGES-MACE BENEFITS GRP INC3 Filed as: HODGES-MACE BENEFITS GROUP | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.35% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOORE SE GRAND RAPIDS, MI 49512 | MEDICAL BENEFITS MUTUAL COBRA ACCOUNT | — | — | $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 | 755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 779 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,520 | $4.0M |
| Dental | DELTA DENTAL | 1,636 | $554K |
| Vision | VSP | 495 | $75K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 793 | $211K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 676 | $60K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,520 | $4.0M |
| Stop-loss / reinsurancereinsurance | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,520 | $3.9M |
| Other | MEDICAL BENEFITS MUTUAL COBRA ACCOUNT | 371 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,636 | — |
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."
No prospect flags tripped on this filing.