| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 | 56 CESAR E. CHAVEZ AVENUE SUITE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | $0 | $10K | 14.86% |
| LIGHTHOUSE GROUP3 | 56 CESAR E. CHAVEZ AVENUE SUITE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 6.86% |
| LIGHTHOUSE GROUP3 | 56 CESAR E. CHAVEZ AVENUE SUITE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7K | $0 | $7K | 12.11% |
| ERIC JOHN CONDRON3 | 678B FRONT AVENUE NW GRAND RAPIDS, MI 49504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $499 | $0 | $499 | 0.87% |
| JANET M. BISSON3 | 982 EAST WILKE ROAD ROTHBURY, MI 49452 | CONTINENTAL AMERICAN INSURANCE COMPANY | $462 | $0 | $462 | 0.80% |
| CAROL A SMYTHE3 Filed as: CAROL A. SMYTHE AND OTHER AGENTS | 915 LAKE AVENUE NORTH MUSKEGON, MI 49445 | CONTINENTAL AMERICAN INSURANCE COMPANY | $288 | $0 | $288 | 0.50% |
| SANTIAGO & ASSOCIATES LLC3 Filed as: SANTIAGO AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $268 | $0 | $268 | 0.46% |
| JEFFREY C WERNER3 Filed as: JEFFREY CHARLES WERNER | 4430 GLENCOE DRIVE SPRING LAKE, MI 49456 | CONTINENTAL AMERICAN INSURANCE COMPANY | $172 | $0 | $172 | 0.30% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS AND ASSOCIATES, LLC | 950 WEST NORTON AVENUE, SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $164 | $0 | $164 | 0.28% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC. | 600 SOUTH WALNUT STREET LANSING, MI 48933 | VISION SERVICE PLAN | $2K | $0 | $2K | 12.99% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVENUE SE, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | $0 | $2K | 9.99% |
| LIGHTHOUSE GROUP3 | 56 CESAR E. CHAVEZ AVENUE SUITE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 15.05% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE SW, SUITE 30 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | $0 | $291 | 12.03% |
| LIGHTHOUSE GROUP3 | 56 CESAR E. CHAVEZ AVENUE SUITE 300 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $291 | $0 | $291 | 12.03% |
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 | 755 | 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) | 755 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 111 | $17K |
| Life insurance(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 755 | $70K |
| Short-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 355 | $65K |
| Long-term disability(2 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 40 | $20K |
| Other(4 contracts) | CONTINENTAL AMERICAN INSURANCE COMPANY | 755 | $130K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 755 | — |
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.