| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMIE MILLS3 Filed as: C JAMIE MILLS | 1115 TAYLOR AVE., N STE 112 GRAND RAPIDS, MI 49503 | DELTA DENTAL | $23K | — | $23K | 1.83% |
| PRIORITY HEALTH5 | — | PRIORITY HEALTH INSURANCE COMPANY | — | — | $0 | 0.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOORE AVE., SE GRAND R, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $89K | $13K | $103K | 23.00% |
| VISION SERVICE PLAN5 | — | VISION SERVICE PLAN | — | $56K | $56K | 21.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOORE AVE., SE GRAND RAPIDS, MI 49512 | VISION SERVICE PLAN | $8K | — | $8K | 3.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOORE AVE., SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $47K | $12K | $58K | 22.42% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOOR AVE, SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $34K | $8K | $42K | 24.78% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 4808 BROADMOORE AVE., SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $7K | $10K | 6.75% |
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 | 2,221 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH INSURANCE COMPANY | 4,773 | $906K |
| Dental | DELTA DENTAL | 4,917 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,695 | $267K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,221 | $599K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 806 | $169K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 117 | $261K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 4,773 | $906K |
| Stop-loss / reinsurancereinsurance | PRIORITY HEALTH INSURANCE COMPANY | 4,773 | $906K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 2,221 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,917 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.