| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | UNKNOWN GRAND HAVEN, MI 49417 | BLUE CARE NETWORK OF MICHIGAN | $30K | — | $30K | 4.33% |
| MANAGING AGENT3 | UNKNOWN GRAND HAVEN, MI 49417 | BLUE CARE NETWORK OF MICHIGAN | $7K | — | $7K | 1.04% |
| LIGHTHOUSE GROUP INSURANCE3 | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | — | $5K | 13.12% |
| STEVEN RAY GRIFFIN3 | 2000 NORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $761 | — | $761 | 1.88% |
| DONALD LIKENS3 Filed as: DONALD LEE LIKENS | 8833 PERIMETER PARK BOULEVARD SUITE 802 JACKSONVILLE, FL 32216 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $398 | — | $398 | 0.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUJITE 1446 CHICAGO, IL 60675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $326 | — | $326 | 0.80% |
| ROBERT J. MAYER3 | 54 JANSEN PLACE KANSAS CITY, MO 64109 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $130 | — | $130 | 0.32% |
| LIGHTHOUSE GROUP INSURANCE3 | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.85% |
| STEVEN RAY GRIFFIN3 | 2000 MORRIS AVENUE, SUITE 1400 BIRMINGHAM, AL 35203 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $123 | $1K | 3.98% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES | 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $513 | $31 | $544 | 1.64% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVENUE SE GRAND RAPIDS, MI 49512 | EYEMED | $2K | — | $2K | 9.31% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 218 | $698K |
| Dental | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $0 |
| Vision | EYEMED | 189 | $16K |
| Life insurance(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 138 | $41K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 138 | $41K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $0 |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 218 | $698K |
| Other(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 186 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.