| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THOMAS HELMSTETTER3 | 537 MACATAWA AVENUE HOLLAND, MI 49423 | PRIORITY HEALTH | $39K | $0 | $39K | 4.77% |
| JASON NICKEL3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $8K | $0 | $8K | 0.94% |
| SONJIA VENEMA3 | 56 CESAR E. CHAVEZ SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $4K | $0 | $4K | 0.54% |
| AGM BENEFITS3 | 8550 UNITED PLAZA BOULEVARD SUITE 210 BATON ROUGE, LA 70809 | TRANSAMERICA LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.62% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 56 GRANDVILLE SW, SUITE 300 GRAND RAPIDS, MI 49503 | TRANSAMERICA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 4.82% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE GROUP INSURANCE | 56 GRANDVILLE SW, SUITE 300 GRAND RAPIDS, MI 49503 | HUMANA INSURANCE COMPANY | $4K | $0 | $4K | 4.95% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 965 GREENTREE ROAD PITTSBURGH, PA 15220 | HUMANA INSURANCE COMPANY | $0 | $2K | $2K | 2.34% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 56 GRANDVILLE AVENUE GRAND RAPIDS, MI 49503 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 15.00% |
| THOMAS HELMSTETTER3 | 537 MACATAWA AVENUE HOLLAND, MI 49423 | PRIORITY HEALTH INSURANCE COMPANY | $453 | $0 | $453 | 3.99% |
| JASON NICKEL3 | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $183 | $0 | $183 | 1.61% |
| SONJIA VENEMA3 | 56 CESAR E. CHAVEZ SW, SUITE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $46 | $0 | $46 | 0.40% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 132 | $837K |
| Dental | HUMANA INSURANCE COMPANY | 150 | $73K |
| Vision | HUMANA INSURANCE COMPANY | 150 | $73K |
| Life insurance(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 210 | $141K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 132 | $837K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 210 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.