| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL | $5K | — | $5K | 0.81% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | MUTUAL OF OMAHA LIFE INSURANCE | $6K | $5K | $11K | 5.39% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GRP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $4K | $9K | 5.54% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 495034078 | VSP | $3K | — | $3K | 2.55% |
| PROFESSIONAL BENEFITS SVC3 | DBA VARIPRO 5300 PATTERSON AVE, STE 150 GRAND RAPIDS, MI 49512 | UNITED AMERICAN | — | $2K | $2K | 3.12% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP-B HEINTZ | 877 EAST 16TH STREET HOLLAND, MI 49423 | UNITED AMERICAN | $1K | — | $1K | 1.99% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 13.36% |
| 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 | 11.67% |
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 | 847 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 170 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,017 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,345 | $666K |
| Dental | DELTA DENTAL | 1,875 | $632K |
| Vision | VSP | 640 | $103K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA LIFE INSURANCE | 1,004 | $234K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 844 | $169K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 1,345 | $666K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH INSURANCE COMPANY | 1,345 | $609K |
| Other | MUTUAL OF OMAHA LIFE INSURANCE | 1,004 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,875 | — |
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.