| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMY MCCULLOCH3 | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $12K | $0 | $12K | 2.73% |
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $1K | $0 | $1K | 0.27% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $1K | $12K | 16.85% |
| STRATEGIC ENROLLMENT SERVICES INC.3 Filed as: STRATEGIC ENROLLMENT SERVICES | 1205 LOUISANA AVENUE, SUITE 441 PERRYSBURG, OH 43552 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.07% |
| AMY L. MCCULLOCH3 Filed as: AMY L MCCULLOCH | 1874 LAKE DRIVE SE GRAND RAPIDS, MI 49506 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $3K | $0 | $3K | 7.03% |
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $706 | $0 | $706 | 1.51% |
| TGG SOLUTIONS3 | 588 3 MILE ROAD NW, SUITE 101 GRAND RAPIDS, MI 49544 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $411 | $0 | $411 | 0.88% |
| STRATEGIC ENROLLMENT SERVICES INC.3 | 27064 OAKMEAD DRIVE PERRYSBURG, MI 43551 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | $0 | $9K | 31.90% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP INC. | 4808 BROADMOOR SE GRAND RAPIDS, MI 49512 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 21.25% |
| AMY MCCULLOCH3 | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $314 | $0 | $314 | 2.75% |
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVENUE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $29 | $0 | $29 | 0.25% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | PRIORITY HEALTH | 111 | $682K |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $47K |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 145 | $47K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $69K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $69K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $69K |
| Prescription drug(3 contracts, 3 carriers) | PRIORITY HEALTH | 111 | $682K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.