| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 6.92% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $8K | $767 | $9K | 3.32% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, CA 49512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 4.19% |
| JERMEY D. SAMPSEL3 | 3030 9TH STREET KALAMAZOO, CA 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 1.39% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP, INC. | 2401 WEST BIG BEAVER ROAD SUITE 400 TROY, CA 48084 | CONTINENTAL AMERICAN INSURANCE COMPANY | $899 | $0 | $899 | 0.93% |
| CHRISTY SHILLINGS AND OTHER AGENTS3 | 4130 WEST D AVENUE KALAMAZOO, CA 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $892 | $0 | $892 | 0.92% |
| CHRISTY SHILLINGS AND OTHER AGENTS3 | 4200 WEST MICHIGAN AVENUE KALAMAZOO, CA 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $830 | $0 | $830 | 0.85% |
| SARAH E MEANY3 Filed as: SARAH E. MEANY | 2710 HAMPSHIRE BOULEVARD SE GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $568 | $0 | $568 | 0.58% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $468 | $0 | $468 | 0.48% |
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE INSURANCE GROUP | 1115 TAYLOR AVENUE NORTH, SUITE 112 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 5.45% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 4.53% |
| HYLANT GROUP INC3 Filed as: HYLANT GROUP | 85 CAMPAU AVENUE NW, SUITE 100 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $2K | $0 | $2K | 3.41% |
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 | 418 | 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) | 418 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,040 | $277K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | 1,082 | $59K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $336K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $336K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $336K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 510 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,082 | — |
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."
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.