| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON NICKEL3 | 56 GRANDVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $40K | — | $40K | 4.00% |
| JASON NICKEL3 | 56 GRANDVILLE AVE ST 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $11K | — | $11K | 4.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP, INC. | JASON NICKEL 56 GRANDVILLE AVE GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | $227 | $4K | 5.05% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 12.96% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS. GROUP INC. | 4808 BROADMOOR AVE. SE GRAND RAPIDS, MI 49512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 4.47% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INSURANCE GROUP | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $1K | — | $1K | 5.72% |
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 | 205 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 239 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 329 | $86K |
| Vision | VISION SERVICE PLAN | 124 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $65K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $65K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 203 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.