| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE SW, SUITE 30 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 16.80% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP AGENCY LLC | 56 GRANDVILLE AVENUE SW, SUITE 30 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.86% |
| ERIC J CONDRON3 Filed as: ERIC J. CONDRON | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $262 | $0 | $262 | 0.51% |
| JANET M. BISSON3 | 4558 EAST LAKETON AVENUE MUSKEGON, MI 49442 | CONTINENTAL AMERICAN INSURANCE COMPANY | $195 | $0 | $195 | 0.38% |
| SANTIAGO & ASSOCIATES LLC3 | 950 WEST NORTON AVENUE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $188 | $0 | $188 | 0.37% |
| MJ INSURANCE3 Filed as: AG AND ASSOCIATES & VARIOUS AGENTS | 2150 ASSOCIATION DRIVE SUITE 150 OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.18% |
| JEFFREY C WERNER3 Filed as: JEFFREY C. WERNER | 18096 TRUDY DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $93 | $0 | $93 | 0.18% |
| CAROL A SMYTHE3 Filed as: CAROL A. SMYTHE | 915 LAKE AVENUE NORTH MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $44 | $0 | $44 | 0.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.43% |
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 | 292 | 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) | 297 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 105 | $17K |
| Life insurance | CONTINENTAL AMERICAN INSURANCE COMPANY | 100 | $51K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 100 | $51K |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 100 | $51K |
| Other | CONTINENTAL AMERICAN INSURANCE COMPANY | 100 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.