| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | JASON NICKEL 56 GRANDVILLE AVE GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 4.61% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP INC. | 56 CESAR E CHAVEZ AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $3K | $5K | 28.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 3 PARKWAY NORTH BLVD STE 500 DEERBORN, MI 60015 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $530 | $530 | 2.80% |
| JASON NICKEL3 Filed as: JASON D NICKEL | 56 GRANDVILLE AVE. SW SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | — | $0 | — |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP INC. | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | — | $0 | — |
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 | 0 | 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Dental | DELTA DENTAL OF MICHIGAN | 0 | $39K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $19K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 0 | $0 |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 0 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.