| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | UNKNOWN GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 5.03% |
| MANAGING AGENT3 | UNKNOWN GRAND RAPIDS, MI 49512 | BLUE CARE NETWORK OF MICHIGAN | $6K | — | $6K | 1.13% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.06% |
| THE LEAD AGENCY LLC3 Filed as: THE LEAD AGENCY, LLC | 5797 HARVEY STREET NORTON SHORES, MI 49444 | DELTA DENTAL OF MICHIGAN | $1K | — | $1K | 1.11% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS. GROUP, INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 8.42% |
| THE LEAD AGENCY LLC3 Filed as: THE LEAD AGENCY, LLC | 5797 HARVEY STREET, SUITE A NORTON SHORES, MI 49444 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 4.98% |
| MILLS BENEFIT GROUP LLC3 Filed as: MILLS BENEFIT GROUP, LLC | 1115 TAYLOR AVENUE NORTH SUITE 112 GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $210 | — | $210 | 0.81% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $261 | $3K | 10.35% |
| THE LEAD AGENCY LLC3 Filed as: THE LEAD AGENCY, LLC | 5797 HARVEY STREET, SUITE A NORTON SHORES, MI 49444 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS, HENDRICKS, AND STUIT INS. | PO BOX 953 GRANDVILLE, MI 49468 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $355 | $41 | $396 | 1.63% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | VISION SERVICES PLAN | $407 | — | $407 | 4.41% |
| THE LEAD AGENCY LLC3 Filed as: THE LEAD AGENCY, LLC | 5797 HARVEY STREET, SUITE A MUSKEGON, MI 49444 | VISION SERVICES PLAN | $219 | — | $219 | 2.37% |
| BEREND HENDRICKS STUIT INSURANCE3 Filed as: BEREND, HENDREICKS AND STUIT INS. | PO BOX 953 GRANDVILLE, MI 49468 | VISION SERVICES PLAN | $85 | — | $85 | 0.92% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 182 | $563K |
| Dental | DELTA DENTAL OF MICHIGAN | 252 | $93K |
| Vision | VISION SERVICES PLAN | 72 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 115 | $26K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 37 | $24K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 182 | $563K |
| Other | HARTFORD LIFE AND ACCIDENT | 115 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.