| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON NICKEL3 | 56 GRANDVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $78K | — | $78K | 1.73% |
| GERALD WHITAKER3 | 2176 EAST CENTRE PORTAGE, MI 49002 | PRIORITY HEALTH | $57K | — | $57K | 1.25% |
| LIGHTHOUSE GROUP3 | 56 GRANDVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 1.90% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $5K | — | $5K | 1.09% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $4K | — | $4K | 6.12% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $2K | — | $2K | 3.89% |
| 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 | $2K | $718 | $2K | 13.62% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 6.58% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 250 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $478 | $478 | 2.80% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $351 | $351 | 2.06% |
| LIGHTHOUSE GROUP3 | 56 CESAR E CHAVEZ AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $694 | $694 | 4.34% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $463 | $463 | 2.89% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $330 | $330 | 2.06% |
| 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 | $820 | $594 | $1K | 10.25% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $559 | — | $559 | 4.05% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $396 | $396 | 2.87% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $280 | $280 | 2.03% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA AG | 56 CESAR E CHAVEZ AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $532 | $2K | 12.81% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $813 | — | $813 | 6.34% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $354 | $354 | 2.76% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $271 | $271 | 2.11% |
| 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 | $687 | $523 | $1K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $523 | — | $523 | 4.32% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR, STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $349 | $349 | 2.89% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $261 | $261 | 2.16% |
| 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 | $465 | $207 | $672 | 12.44% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $346 | — | $346 | 6.41% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DR STE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $138 | $138 | 2.55% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $115 | $115 | 2.13% |
| THE NULTY AGENCY INC.3 Filed as: THE NULTY AVENCY INC | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 3.32% |
| BRAD SCOFFIN3 | 7976 E U AVE VICKBURG, MI 49097 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 2.30% |
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 | 394 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 786 | $4.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 1,010 | $475K |
| Vision | VISION SERVICE PLAN | 394 | $60K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 38 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 69 | $16K |
| Prescription drug | PRIORITY HEALTH | 786 | $4.5M |
| Other(5 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 229 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,010 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.