| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, OH 49503 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 4.73% |
| LIGHTHOUSE GROUP3 | 56 CESAR EAST CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $5K | $17K | 16.65% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.98% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INS GROUP | 4808 BROADMOOR AVENUE GRAND RAPIDS, MI 49512 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $780 | $0 | $780 | 5.07% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INS GROUP | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $753 | $0 | $753 | 4.90% |
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 | 151 | 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) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 341 | $127K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 276 | $15K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $103K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $103K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $103K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 151 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 341 | — |
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.