| 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 | $44K | — | $44K | 0.92% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOORE SE GRAND RAPIDS, MI 49512 | SYMETRA LIFE INSURANCE COMPANY | $22K | $13K | $35K | 5.69% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 4808 BROADMOORE AVE SE GRAND RAPIDS, MI 49512 | DELTA DENTAL | $5K | — | $5K | 0.76% |
| FRAZIER FINANCIAL SERVICES LLC3 | 2322 CASCASE LAKES CIRCLE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $24K | — | $24K | 13.50% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | PO BOX 1439 HOLLAND, MI 494239130 | VSP | $2K | — | $2K | 2.77% |
| FRAZIER FINANCIAL SERVICES LLC3 | 2322 CASCASE LAKES CIRCLE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | — | $9K | 13.50% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, BOB HEI | 877 EAST 16TH STREET HOLLAND, MI 49423 | UNITED AMERICAN | $1K | — | $1K | 2.12% |
| PROFESSIONAL BENEFITS SERVICES3 | DBA VARIPRO 5300 PATTERSON AVE STE 150 GRAND RAPIDS, MI 49512 | UNITED AMERICAN | — | $376 | $376 | 0.61% |
| VARIPRO3 | 5300 PATTERSON AVE SUITE 150 GRAND RAPIDS, MI 49512 | UNITED AMERICAN | — | $376 | $376 | 0.61% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOORE AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 16.95% |
| 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 | 13.41% |
| 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 | $441 | — | $441 | 1.00% |
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 | 796 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 824 | 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 | 1,644 | $4.9M |
| Dental | DELTA DENTAL | 1,715 | $605K |
| Vision | VSP | 521 | $86K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 868 | $221K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 738 | $69K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,644 | $4.9M |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,644 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,715 | — |
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.