| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICKEL, JASON3 | 56 GRANDVILLE AVE ST 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $116K | — | $116K | 3.01% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP AG | 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 2.86% |
| NICKEL, JASON3 | 56 GRANDVILLE AVE ST 300 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $12K | $4K | $17K | 21.84% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.92% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 5.65% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 2.82% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 495034078 | VISION SERVICE PLAN | $5K | — | $5K | 9.88% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $926 | $3K | 20.53% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $463 | $463 | 2.76% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $769 | $769 | 5.53% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $385 | $385 | 2.77% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $887 | $3K | 22.56% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $444 | $444 | 3.28% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $730 | $3K | 20.43% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $365 | $365 | 2.71% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $867 | $2K | 16.77% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $434 | $434 | 3.39% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $599 | $2K | 20.02% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $299 | $299 | 2.51% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $523 | $2K | 14.94% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $262 | $262 | 2.48% |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $679 | $224 | $903 | 19.96% |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $112 | $112 | 2.48% |
| UNITED OF OMAHA LIFE INSURANCE CO5 | MUTUAL OF OMAHA PLAZA OMAHA, NE 68175 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | — |
| LIGHTHOUSE GROUP3 Filed as: LIGHTHOUSE INS GROUP INC | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $73 | $73 | — |
| NATIONAL BENEFIT CENTER3 | 23825 COMMERCE PARK, STE A BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $37 | $37 | — |
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 | 384 | 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) | 384 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 891 | $3.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 922 | $396K |
| Vision | VISION SERVICE PLAN | 356 | $54K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $11K |
| Prescription drug(2 contracts, 2 carriers) | PRIORITY HEALTH | 891 | $3.9M |
| Other(11 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 226 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 922 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.