| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | TOTAL HEALTH CARE USA, INC. | $14K | $0 | $14K | 3.67% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 8.35% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $8K | $8K | 4.25% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 56 GRANDVILLE AVENUE GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | $222 | $6K | 6.50% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBERS SERVICES, INC. | 600 SOUTH WALNUT STREET LANSING, MI 48933 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $846 | $0 | $846 | 4.97% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $440 | $0 | $440 | 8.24% |
| ALI C SANDERS3 Filed as: ALI C. SANDERS | 37244 SOUTH HEATHER COURT WESTLAND, MI 48185 | PRE-PAID LIEGAL SERVICES, INC. DBA LEGALSHIELD | $76 | $0 | $76 | 8.66% |
| LAURIE WOLOGO3 | 4 RICHFIELD WAY HILTON HEAD ISLAND, SC 29926 | PRE-PAID LIEGAL SERVICES, INC. DBA LEGALSHIELD | $31 | $0 | $31 | 3.53% |
| PREVENTIVE SERVICES PLLC3 | 1438 OAKBROOK EAST ROCHESTER HILLS, MI 48307 | PRE-PAID LIEGAL SERVICES, INC. DBA LEGALSHIELD | $26 | $0 | $26 | 2.96% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 218 | $385K |
| Dental | DELTA DENTAL OF MICHIGAN | 212 | $94K |
| Vision(3 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 142 | $407K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $182K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $182K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $182K |
| Prescription drug(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 218 | $385K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 260 | $183K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 260 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.