| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 58 GRANDVILLE SW GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $22K | $0 | $22K | 7.08% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14K | $0 | $14K | 21.01% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 14.90% |
| JEREMY D SAMPSEL3 Filed as: JEREMY D. SAMPSEL | 3030 9TH STREET, SUTE 2K KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $549 | $0 | $549 | 0.81% |
| ROBERT L PARSONS3 Filed as: ROBERT L. PARSONS | 4130 WEST D AVENUE KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $338 | $0 | $338 | 0.50% |
| ROBERT O. WALTER3 | PO BOX 1377 NOVI, MI 48376 | CONTINENTAL AMERICAN INSURANCE COMPANY | $247 | $0 | $247 | 0.36% |
| SARAH E MEANY3 Filed as: SARAH E. MEANY | 2710 HAMPSHIRE BOULEVARD SE GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $239 | $0 | $239 | 0.35% |
| THE WORKSITE GROUP LLC3 Filed as: WORKSITE BENEFITS LLC | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 0.26% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 58 GRANDVILLE SW, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | $6K | $0 | $6K | 10.12% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 58 GRANDVILLE SW, SUITE 300 GRAND RAPIDS, MI 49503 | TRUSTMARK INSURANCE COMPANY | $10K | $0 | $10K | 25.18% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 27064 OAKMEAD DRIVE PERRYSBURG, OH 43551 | TRUSTMARK INSURANCE COMPANY | $5K | $0 | $5K | 12.77% |
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 |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELTIY SECURITY LIFE INSURANCE CO. | 941 | $56K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $354K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $313K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 425 | $313K |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 463 | $436K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 941 | — |
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.