| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 3597 HENRY STREET, SUITE 201 MUSKEGON, MI 49441 | TOTAL HEALTH CARE USA, INC. | $22K | — | $22K | 4.01% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUENING INS. GROUP, INC | 1115 TAYLOR AVENUE NORTH, SUITE 112 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $11K | $22K | 8.32% |
| LIGHTHOUSE GROUP INSURANCE3 | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 7.96% |
| PREVENTIVE SERVICES PLLC4 | 1438 OAKBROOK EAST ROCHESTER HILLS, MI 48307 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $362 | — | $362 | 13.09% |
| LAURIE WOLOGO4 | 4 RICHFIELD WAY HILTON HEAD ISLAND, SC 29926 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $90 | — | $90 | 3.25% |
| JILL FEENEY4 | 6933 DUBLIN FAIR ROAD TROY, MI 48098 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $11 | — | $11 | 0.40% |
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 | 94 | 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) | 94 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | TOTAL HEALTH CARE USA, INC. | 118 | $552K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $259K |
| Vision | VISION SERVICE PLAN | 130 | $21K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $259K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $259K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $259K |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 118 | $552K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 259 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.