| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 4808 BROADMOORE AVE SE GRAND RAPIDS, MI 49512 | DELTA DENTAL | $8K | — | $8K | 1.23% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | MUTUAL OF OMAHA LIFE INSURANCE | $6K | — | $6K | 3.69% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GRP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 4.09% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | PO BOX 1439 HOLLAND, MI 494239130 | VSP | $3K | — | $3K | 2.61% |
| VARIPRO3 | 5300 PATTERSON AVE SUITE 150 GRAND RAPIDS, MI 49512 | UNITED AMERICAN | — | $2K | $2K | 2.60% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, BOB HEI | 877 EAST 16TH STREET HOLLAND, MI 49423 | UNITED AMERICAN | $1K | — | $1K | 2.02% |
| PROFESSIONAL BENEFITS SERVICES3 | DBA VARIPRO 5300 PATTERSON AVE STE 150 GRAND RAPIDS, MI 49512 | UNITED AMERICAN | — | $338 | $338 | 0.58% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOORE AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 17.00% |
| MACE, PETER, J3 Filed as: MACE, PETER J | 5775 D GLENRIDGE DR STE 350 ATLANTA, GA 30328 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 10.10% |
| FRAZIER FINANCIAL SERVICES LLC3 | 2322 CASCASE LAKES CIRCLE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 13.50% |
| FRAZIER FINANCIAL SERVICES LLC3 | 2322 CASCASE LAKES CIRCLE SE GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 13.50% |
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 | 830 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 23 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 866 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,309 | $623K |
| Dental | DELTA DENTAL | 1,824 | $623K |
| Vision | VSP | 596 | $98K |
| Life insurance(3 contracts, 3 carriers) | MUTUAL OF OMAHA LIFE INSURANCE | 966 | $225K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 818 | $141K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,309 | $623K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH INSURANCE COMPANY | 1,309 | $564K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,824 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.