| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.58% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 1115 TAYLOR AVENUE NORTH, SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.46% |
| HNI RISK SERVICES3 | 140 MONROE CENTER, SUITE 200 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.13% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $693 | $0 | $693 | 1.43% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET NW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $571 | $0 | $571 | 1.18% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVENUE NORTH SUITE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.98% |
| HNI RISK SERVICES3 | PO BOX 510187 NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $916 | $0 | $916 | 3.03% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $338 | $338 | 1.12% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 153 | $48K |
| Vision | VISION SERVICE PLAN | 76 | $9K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $30K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $61K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 109 | $61K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 113 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.