| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $56K | — | $56K | 1.99% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $8K | — | $8K | 1.05% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $31K | $1K | $32K | 13.23% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $6K | $6K | 2.29% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $30K | — | $30K | 16.93% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $416 | $416 | 0.23% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $886 | $4K | 4.91% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 9.16% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $753 | — | $753 | 4.98% |
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 | 560 | 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) | 561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 1,384 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 272 | $77K |
| Vision(2 contracts, 2 carriers) | DELTA DENTAL OF MICHIGAN | 463 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $245K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 361 | $177K |
| Long-term disability(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $422K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 1,384 | $3.6M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 589 | $422K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,384 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.