| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | — | — | $0 | 0.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP INC | 877 E 16TH ST PO BOX 1439 HOLLAND, MI 494239130 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $491 | $3K | 4.99% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 495031077 | METROPOLITAN LIFE INSURANCE COMPANY | $44 | — | $44 | 0.07% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 6.78% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP | PO BOX 1439 HOLLAND, MI 494221439 | THE LINCOLN NATIONAL LIFE INSURANCE CO | — | $349 | $349 | 0.87% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $411 | $411 | 1.75% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N SUITE 112 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | — | $2K | 24.00% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $110 | $7K | 70.01% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $834 | $133 | $967 | 18.11% |
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 | 194 | 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) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 194 | $159K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 192 | $65K |
| Vision | VISION SERVICE PLAN | 84 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $29K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 122 | $15K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 122 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.