| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 4220 DUNCAN AVE. SUITE 401 ST. LOUIS, MO 63110 | PRIORITY HEALTH INSURANCE COMPANY | $36K | — | $36K | 2.24% |
| GLEN VAN DE VENTER3 | 56 GRANDVILLE AVE SUITE 4950 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH INSURANCE COMPANY | $13K | — | $13K | 0.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.86% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $799 | — | $799 | 0.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE. ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 9.46% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $498 | $130 | $628 | 0.74% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $372 | $372 | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE. ST. LOUIS, MO 63105 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $193 | $3K | 16.05% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $260 | $82 | $342 | 2.18% |
| BENEFIT PROFILES INC3 | UNIT 3 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $87 | $87 | 0.56% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 29840 NETWORK PLACE CHICAGO, IL 60673 | VISION SERVICE PLAN | $1K | — | $1K | 9.16% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES INC. | 600 S. WALNUT ST. LANSING, MI 48933 | VISION SERVICE PLAN | $1K | — | $1K | 8.00% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC. | 56 GRANDVILLE AVE SW STE 300 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $223 | — | $223 | 1.69% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $1K | $295 | $1K | 17.81% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE. ST. LOUIS, MO 63105 | UNUM INSURANCE COMPANY | $8 | $1 | $9 | 0.12% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $990 | $262 | $1K | 20.62% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $611 | $156 | $767 | 17.48% |
| AON CONSULTING INC3 Filed as: AON CONSULTING - ST. LOUIS | 8182 MARYLAND AVE. ST. LOUIS, MO 63105 | UNUM INSURANCE COMPANY | $141 | $12 | $153 | 3.49% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW GRAND RAPIDS, MI 49503 | ZURICH AMERICAN INSURANCE COMPANY | $38 | — | $38 | 15.08% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 245 | $1.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 282 | $86K |
| Vision(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 245 | $1.6M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $101K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $85K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $85K |
| Prescription drug | PRIORITY HEALTH INSURANCE COMPANY | 245 | $1.6M |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.