| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 495039503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | — | $40K | 2.95% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 495039503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.10% |
| LIGHTHOUSE GROUP3 | 1115 TAYLOR AVE., N.SUITE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$21 | $619 | $598 | 0.11% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| MICHAEL S YOUNGDAHL3 Filed as: MICHAEL S. YOUNGDAHL | 800 E. ELLIS ROAD M 556 NORTHERN SHORES, MI 49441 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$5 | — | -$5 | -0.00% |
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 495039503 | BLUE CARE NETWORK OF MICHIGAN | $11K | — | $11K | 3.22% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 495039503 | BLUE CARE NETWORK OF MICHIGAN | — | $380 | $380 | 0.11% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13K | $3K | $15K | 20.87% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW. STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $439 | $3K | $3K | 3.99% |
| MICHAEL S YOUNGDAHL3 | 800 E ELLIS RD M 556 NORTON SHORES, MI 49441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.15% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $53 | — | $53 | 0.07% |
| GLEN VAN DE VENTER3 | LIGHTHOUSE GROUP, AN ALERA GROUP AG 56 GRANDVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 8.24% |
| JASON RUSSELL3 | MICHIGAN CHAMBER SERVICES, INC. 600 S. WALNUT ST. LANSING, MI 489332209 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.99% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLS AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 21.12% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 56 GRANDVILLE AVE. SW STE 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $1K | — | $1K | 5.57% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $71 | — | $71 | 0.34% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $898 | $239 | $1K | 8.04% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | — | — | $0 | 0.00% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $1K | $349 | $2K | 20.48% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | — | — | $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 | 222 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.7M |
| Dental | DELTA DENTAL OF MICHIGAN | 109 | $44K |
| Vision | VISION SERVICE PLAN | 142 | $21K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $520K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $520K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $595K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 294 | $1.7M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $580K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.