| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $26K | $0 | $26K | 4.24% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.17% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $15K | $27K | 8.77% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $6K | $16K | 5.20% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 6.72% |
| MICHIGAN CHAMBER SERVICES, INC.3 | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.15% |
| PREVENTIVE SERVICES PLLC4 Filed as: PREVENTIVE SERVICES LLC | 1438 OAKBROOK EAST ROCHESTERE HILLS, MI 48307 | PRE-PAID LIEGAL SERVICES, INC. DBA LEGALSHIELD | $58 | $0 | $58 | 5.06% |
| LAURIE WOLOGO4 | 4 RICHFIELD WAY HILTON HEAD ISLAND, SC 29926 | PRE-PAID LIEGAL SERVICES, INC. DBA LEGALSHIELD | $40 | $0 | $40 | 3.49% |
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 | 228 | 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) | 228 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 99 | $607K |
| Dental | DELTA DENTAL OF MICHIGAN | 211 | $87K |
| Vision | VISION SERVICE PLAN | 134 | $20K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $307K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $307K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $307K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 99 | $607K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 364 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 364 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.