| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | $0 | $6K | 4.71% |
| WILLIAM HAHN3 | 2419 GLEN VALLEY DRIVE NW GRAND RAPIDS, MI 49544 | ASSURITY LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.97% |
| WFP MICHIGAN LLC3 Filed as: WFP MICHIGAN, LLC. | UNKNOWN HUDSONVILLE, MI 49426 | ASSURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.43% |
| ADVANTAGE GROUP GA LLC3 Filed as: ADVANTAGE GROUP MGA LLC | UNKNOWN HUDSONVILLE, MI 49426 | ASSURITY LIFE INSURANCE COMPANY | $843 | $0 | $843 | 1.45% |
| ADVANTAGE GROUP GA LLC3 | UNKNOWN HUDSONVILLE, MI 49426 | ASSURITY LIFE INSURANCE COMPANY | $468 | $0 | $468 | 0.80% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 56 CESAR E CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, OH 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 16.65% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.84% |
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MI | $230 | $0 | $230 | 0.42% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 9.11% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 410 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 428 | $133K |
| Vision | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 384 | $21K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 180 | $56K |
| Short-term disability | ASSURITY LIFE INSURANCE COMPANY | 117 | $58K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 410 | $1.6M |
| Other(2 contracts, 2 carriers) | ASSURITY LIFE INSURANCE COMPANY | 180 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 428 | — |
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.