| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $36K | — | $36K | 2.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | PRIORITY HEALTH | $8K | — | $8K | 0.55% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $9K | — | $9K | 1.29% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | PRIORITY HEALTH INSURANCE COMPANY | $2K | — | $2K | 0.29% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $32K | $2K | $34K | 13.48% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $8K | $8K | 3.18% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $27K | — | $27K | 14.88% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 2.31% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $419 | $419 | 0.23% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $738 | $4K | 4.21% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | PO BOX 843844 KANSAS CITY, MO 64184 | METROPOLITAN LIFE INSURANCE COMPANY | $262 | $282 | $544 | 0.63% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 9.93% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $656 | — | $656 | 4.12% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 18.03% |
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 | 684 | 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) | 684 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 614 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 312 | $86K |
| Vision(2 contracts, 2 carriers) | RENAISSANCE LIFE AND HEALTH INSURANCE COMPANY OF AMERICA | 471 | $45K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 655 | $249K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 441 | $180K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 655 | $429K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 614 | $2.2M |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 655 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 655 | — |
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."
No prospect flags tripped on this filing.