| 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 | $43K | — | $43K | 2.74% |
| 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 | 0.09% |
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 495039503 | BLUE CARE NETWORK OF MICHIGAN | $12K | — | $12K | 2.75% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 495039503 | BLUE CARE NETWORK OF MICHIGAN | — | $503 | $503 | 0.12% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $20K | $4K | $24K | 12.99% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVE SW. STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17K | $4K | $21K | 11.37% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 1.05% |
| MICHAEL S YOUNGDAHL3 | 800 E ELLIS RD M 556 NORTON SHORES, MI 49441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $181 | — | $181 | 0.10% |
| GLEN VAN DE VENTER3 | LIGHTHOUSE GROUP, AN ALERA GROUP AG 56 GRANDVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.35% |
| GLEN VAN DE VENTER3 | LIGHTHOUSE GROUP, AN ALERA GROUP AG 9339 PRIORITY WAY W. STE 105 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 0.73% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE. SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 16.93% |
| 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 | 4.96% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $138 | — | $138 | 0.50% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $4K | $777 | $4K | 24.83% |
| 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 | $262 | $2K | 15.19% |
| 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 | 230 | 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) | 230 | 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 | 315 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 418 | $167K |
| Vision | VISION SERVICE PLAN | 163 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $401K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $401K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $586K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 315 | $2.0M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 230 | $478K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 418 | — |
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.