| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VAN WYK LLC3 Filed as: VAN DE VENTER, GLEN | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $43K | — | $43K | 3.05% |
| VAN WYK LLC3 Filed as: VAN DE VENTER, GLEN | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $26K | — | $26K | 3.00% |
| GLEN VAN DE VENTER3 | LIGHTHOUSE GROUP, AN ALERA GROUP AG 56 GRANDVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 5.02% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $10K | $41K | 26.38% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK E DRIVE SUITE 350 BEACHWOOD, OH 44122 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $2K | $2K | 0.98% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1K | $1K | 0.82% |
| MICHAEL S YOUNGDAHL3 | 800 E ELLIS RD M 556 NORTON SHORES, MI 49441 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $113 | — | $113 | 0.07% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE. SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 17.06% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
| GLEN VAN DE VENTER3 | LIGHTHOUSE GROUP, AN ALERA GROUP AG 56 GRANDVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.31% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $3K | $611 | $4K | 17.81% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK EAST DRIVE SUITE 350 BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | — | — | $0 | 0.00% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE. SW STE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $2K | $249 | $2K | 15.36% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK EAST DRIVE STE 350 BEACHWOOD, OH 44122 | UNUM INSURANCE COMPANY | — | — | $0 | 0.00% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $2K | $313 | $2K | 17.81% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 3700 PARK EAST DRIVE SUITE 350 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 | 188 | 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) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 262 | $2.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 425 | $163K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 407 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $670K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $670K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $824K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 262 | $2.3M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $766K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 425 | — |
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.