| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 1.40% |
| ROY FARRELL3 | 489 SEMINOLE RD MUSKEGON, MI 49444 | BLUE CARE NETWORK OF MICHIGAN | $23K | — | $23K | 1.17% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE. SW GRAND RAPIDS, MI 495039503 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.08% |
| 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 | $7K | $2K | $9K | 7.41% |
| BENEFIT PROFILES INC3 | 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 5.08% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $623 | $3K | 2.16% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.16% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 493168081 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.07% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 9339 PRIORITY WAY W. STE. 105 INDIANAPOLIS, IN 46240 | DELTA DENTAL OF MICHIGAN | $49 | — | $49 | 0.05% |
| 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 | $1K | $149 | $1K | 12.08% |
| BENEFIT PROFILES INC3 | UNIT 3 3358 EAGLE RUN DR NE GRAND RAPIDS, MI 49525 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $591 | — | $591 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $495 | $66 | $561 | 4.74% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 495039503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $351 | $351 | 10.09% |
| GLEN A VAN DE VENTER3 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $105 | — | $105 | 3.02% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $99 | $34 | $133 | 7.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | ZURICH AMERICAN INSURANCE COMPANY | $245 | — | $245 | 15.02% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GROUP | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $71 | $8 | $79 | 11.06% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 282 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 323 | $92K |
| Vision(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 282 | $2.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $128K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $116K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $116K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 282 | $2.0M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.