| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DOUG CALKINS3 | 50 GRANDVILLE AVERNUE, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $34K | $0 | $34K | 2.34% |
| ROBERT HUGHES3 | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $22K | $0 | $22K | 1.52% |
| LIGHTHOUSE GROUP3 | 56 CESAR CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $2K | $2K | 0.13% |
| LIGHTHOUSE GROUP3 | 56 CESAR CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $12K | 11.16% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, OH 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.49% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK E DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.86% |
| LIGHTHOUSE GROUP3 | 50 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 4.18% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 2.07% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $872 | — | $872 | 3.88% |
| ADVANTAGE BENEFITS GROUP3 Filed as: ADVANTAGE BENEFITS GROUP INC | 1 IONIA AVENUE SW, SUITE 300 GRAND RAPIDS, MD 49503 | VISION SERVICE PLAN | $706 | $0 | $706 | 3.14% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGTOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $113 | — | $113 | 0.50% |
| DOUG CALKINS3 | 50 GRANDVILLE AVERNUE, SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $182 | $0 | $182 | 4.01% |
| LIGHTHOUSE GROUP3 | 56 CESAR CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $13 | $13 | 0.29% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 281 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 300 | $99K |
| Vision | VISION SERVICE PLAN | 121 | $22K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $109K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $109K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $109K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 281 | $1.5M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 220 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.