| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $3K | $11K | 16.44% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | $174 | $3K | 5.41% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 30.93% |
| MANUEL CAMPOS JR.3 Filed as: MANUEL CAMPOS JR | 721 CROSBY STREET NW GRAND RAPIDS, MI 49504 | CONTINENTAL AMERICAN INSURANCE COMPANY | $874 | $0 | $874 | 9.25% |
| JOSHUA D. HILSTAD3 Filed as: JOSHUA D HILSTAD | 2922 FULLER AVENUE NE, SUITE 202 GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $874 | $0 | $874 | 9.25% |
| ERIC E MIKEL3 | 3421 LAS VEGAS DRIVE NE BELMONT, MI 49306 | CONTINENTAL AMERICAN INSURANCE COMPANY | $458 | $0 | $458 | 4.85% |
| ASHLEY M MESSENGER3 | 4200 WEST MICHIGAN AVENUE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $456 | $0 | $456 | 4.83% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON AND ASSOC. LLC | 1755 INDIAN LAKES CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $250 | $0 | $250 | 2.65% |
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 | 162 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 140 | $50K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $69K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $69K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $69K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 170 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.