| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON NICKEL3 | 56 GRANDVILLE AVE ST 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $5K | — | $5K | 3.99% |
| JASON NICKEL3 | 56 GRANDVILLE AVE ST 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $1K | — | $1K | 4.00% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP AG | 56 GRANDVILLE AVE ST 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $381 | — | $381 | 4.59% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP AG | 56 CESAR E CHAVEZ AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $968 | — | $968 | 13.15% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVE ST 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $161 | — | $161 | 9.87% |
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 | 235 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 256 | $156K |
| Dental | DELTA DENTAL OF MICHIGAN | 361 | $8K |
| Vision | VISION SERVICE PLAN | 141 | $2K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $7K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $7K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 237 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.