| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SE STE 30 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $16K | — | $16K | 37.69% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $285 | — | $285 | 0.67% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO & ASSOCIATE | 950 W NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $278 | — | $278 | 0.65% |
| JANET M. BISSON3 Filed as: JANET M BISSON | 4558 LAKETON AVE MUSKEGON, MI 49442 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.29% |
| JEFFREY C WERNER3 | 18096 TRUDY DR SPRING LAKE, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $103 | — | $103 | 0.24% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: HARRIS & ASSOCIATE | 950 W NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $92 | — | $92 | 0.21% |
| CAROL A SMYTHE3 | 915 LAKE AVE NORTH MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $79 | — | $79 | 0.18% |
| JANET M. BISSON3 Filed as: JANET M BISSON | 4558 E LAKETON AVE MUSKEGON, MI 49442 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | — | $53 | 0.12% |
| ADAM J BIRCHMEIER3 | 834 S SHERIDAN DR APT P102 MUSKEGON, MI 49442 | CONTINENTAL AMERICAN INSURANCE COMPANY | $50 | — | $50 | 0.12% |
| AG AND ASSOCIATES3 Filed as: AG & ASSOCIATES | 2150 ASSOCIATION DRIVE SUITE 100 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $48 | — | $48 | 0.11% |
| BRUCE A VAN RYN3 | 3053 RIVERDALE DRIVE SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | — | $44 | 0.10% |
| NINA LENNON3 | 1750 MCGRAFT ST MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | — | $30 | 0.07% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SE STE 30 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 33.74% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 103 | $17K |
| Life insurance(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 97 | $46K |
| Short-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 97 | $46K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 11 | $3K |
| Other(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 97 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.