| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $8K | $22K | 3.66% |
| LOXLEY GROUP, LLC3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.21% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INS GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 4.89% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE KEUNING INS GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | — | $1K | 3.38% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $3K | $382 | $4K | 13.58% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNUM INSURANCE COMPANY | $764 | — | $764 | 2.84% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $9K | $2K | $10K | 48.30% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNUM INSURANCE COMPANY | $28 | — | $28 | 0.13% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $6K | $1K | $7K | 50.48% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNUM INSURANCE COMPANY | $14 | — | $14 | 0.10% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 14.76% |
| SYMPL BENEFITS INSURANCE AGENCY3 | 460 ADA DR. SUITE 222 ADA, MI 49301 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $379 | — | $379 | 5.23% |
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 | 355 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 359 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 639 | $39K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $612K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $612K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $612K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 465 | $688K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 639 | — |
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."
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.