| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLACE DRIVE BRENTWOOD, TN 37027 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $0 | $16K | 5.30% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 877 EAST 16TH STREET NORTH HOLLAND, MI 49422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.13% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 8 CADILLACE DRIVE BRENTWOOD, TN 37027 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 1.67% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | $0 | $4K | 1.59% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD, SUITE 40 TROY, MI 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 8.95% |
| JEREMY D SAMPSEL3 Filed as: JEREMY D. SAMPSEL | 3030 9TH STREET KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.82% |
| MJ INSURANCE3 Filed as: SARAH E. MEANY AND VARIOUS AGENTS | 2710 HAMPSHIRE BOULEVARD SE GRAND RAPIDS, MI 79506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.36% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 2.13% |
| CHRISTY SHILLINGS AND OTHER AGENTS3 Filed as: CHRISTY A. SHILLINGS | 4200 WEST MICHIGAN AVENUE KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.27% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $993 | $0 | $993 | 0.85% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $625 | $0 | $625 | 0.54% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 9.90% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 1115 TAYLOR AVENUE, SUITE 112 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 2.50% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 1104 FULLER AVENUE NE GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $472 | $0 | $472 | 0.81% |
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 | 491 | 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) | 491 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,043 | $271K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | 1,066 | $58K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $293K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $293K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $293K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 491 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,066 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.