| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $5K | $0 | $5K | 3.92% |
| GLEN VAN DE VENTER3 | 9339 PRIORITY WAY WEST, SUITE 105 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF MICHIGAN | $1K | $0 | $1K | 0.79% |
| WILLIAM HAHN3 | UNKNOWN HUDSONVILLE, MI 49426 | ASSURITY LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.15% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | UNKNOWN HUDSONVILLE, MI 49426 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.44% |
| WFP MICHIGAN LLC3 | UNKNOWN HUDSONVILLE, MI 49426 | ASSURITY LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.65% |
| LIGHTHOUSE GROUP3 | 56 CESAR EAST CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $3K | $10K | 18.41% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.91% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | $0 | $2K | 10.02% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 393 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 414 | $128K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 357 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 182 | $53K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 122 | $64K |
| Prescription drug | PRIORITY HEALTH | 393 | $1.5M |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 182 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.