| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $50K | — | $50K | 4.87% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 495039503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $4K | — | $4K | 0.40% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N, STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.22% |
| 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 | 1.49% |
| MICHAEL S YOUNGDAHL3 | 800 E ELLIS RD M 556 NORTON SHORES, MI 49441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.55% |
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 3.76% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | — | $776 | $776 | 0.41% |
| GLEN VAN DE VENTER3 | LIGHTHOUSE INSURANCE GROUP, INC. 56 GRANDVILLE AVENUE GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $5K | $207 | $6K | 6.36% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW 300 GRAND RAPIDS, MI 49503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $3K | $9K | 21.41% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW 300 GRAND RAPIDS, MI 49503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $865 | $5K | 18.47% |
| LIGHTHOUSE GROUP Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $898 | — | $898 | 6.26% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW 300 GRAND RAPIDS, MI 49503 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $589 | $2K | 21.38% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 168 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 264 | $1.2M |
| Dental | DELTA DENTAL OF MICHIGAN | 273 | $89K |
| Vision | VISION SERVICE PLAN | 91 | $14K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $324K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $290K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 264 | $1.2M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 169 | $365K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.