| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP INC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $31 | $17K | 7.52% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING INS GROUP INC | 877 E 16TH ST PO BOX 1439 HOLLAND, MI 49423 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $6K | $9K | 4.16% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N STR 112 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $18 | — | $18 | 0.01% |
| JAMIE MILLS3 Filed as: JAMIE R MILLS | 4808 BROADMOOR SE GRAND RAPIDS, MI 495125306 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | $29 | $13K | 8.28% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 495140167 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $321 | — | $321 | 0.20% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE-KEUNING AGENCY | 4808 BROADMOOR SE GRAND RAPIDS, MI 495125306 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $13 | $13 | 0.01% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE NW STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 9.91% |
| ROSS HOEZEE A3 Filed as: ROSS A. HOEZEE | 85 CAMPAU NW PO BOX 295 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 4.25% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.16% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVC | 55 CAMPAU NW STE 400 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $484 | $484 | 0.35% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | RELIASTAR LIFE INSURANCE COMPANY | $16K | — | $16K | 20.76% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $59 | $9K | 12.78% |
| ROSS HOEZEE A3 Filed as: ROSS A HOEZEE | 85 CAMPAU NW PO BOX 295 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.24% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP LLC | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 1.37% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMPLOYEE BENEFIT SVC | 85 CAMPAU NW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $137 | $137 | 0.19% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 4808 BROADMOOR AVE SE GRAND RAPIDS, MI 49512 | VISION SERVICE PLAN | $1K | — | $1K | 4.96% |
| MILLS BENEFIT GROUP LLC3 | 1115 TAYLOR AVE N STE 112 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $9 | $1K | 7.79% |
| STEVEN R. MILLER3 | 89 MONRO CTR STE 200 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.73% |
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 | 471 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 458 | $471K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $227K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $252K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $212K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $227K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $300K |
| Prescription drug | PRIORITY HEALTH | 458 | $310K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 471 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 471 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.