| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARD KRAMER3 | 875 W BROADWAY AVE MUSKEGON, MI 49441 | PRIORITY HEALTH | $46K | — | $46K | 3.37% |
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $4K | — | $4K | 0.31% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.88% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 1.36% |
| MICHAEL S YOUNGDAHL3 | 800 E ELLIS RD M 556 NORTON SHORES, MI 49441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.47% |
| SHORELINE INSURANCE AGENCY3 Filed as: SHORELINE INSURANCE AGENCY INC | 875 W BROADWAY AVE MUSKEGON, MI 494413519 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $1K | $9K | 6.95% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 495034078 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 0.98% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | — | — | $0 | 0.00% |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 240 | $1.4M |
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $134K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $129K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $414K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 246 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $286K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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."
No prospect flags tripped on this filing.