| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GRP AGCY | 56 CESAR E CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 13.53% |
| NATIONAL BENEFIT CENTER3 | 3700 PARK EAST DRIVE, SUITE 350 BEACHWOOD, OH 44122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $2K | $2K | 2.51% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GRP AGCY | 56 GRANDVILLE AVENUE, SUITE 300 GRAND RAPIDS, MI 49503 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 16.36% |
| MICHIGAN CHAMBER SERVICES, INC.3 Filed as: MICHIGAN CHAMBER SERVICES | 600 SOUTH WALNUT STREET LANSING, MI 48933 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $1K | $0 | $1K | 7.27% |
| NICOLE DOLPHIN3 | 5314 QUEST DRIVE SW WYOMING, MI 49418 | AFLAC | $142 | $37 | $179 | 3.34% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA GRP AGCY | 56 CESAR E CHAVEZ AVENUE SW SUITE 300 GRAND RAPIDS, MI 49503 | AFLAC | $110 | $0 | $110 | 2.05% |
| LOARD AGENCY INC3 Filed as: LOARD AGENCY, INC. | 1520 69TH STREET NW MINOT, ND 58703 | AFLAC | $68 | $0 | $68 | 1.27% |
| WILLIAM JOHNSON & ASSOC LLC3 Filed as: WILLIAM JOHNSON & ASSOC, LLC. | 2922 FULLER AVENUE NE #202 GRAND RAPIDS, MI 49505 | AFLAC | $37 | $9 | $46 | 0.86% |
| LEANNE R PETERSON3 Filed as: LEANNE R. PETERSON | 603 STEVENSON STREET NW BERTHOLD, ND 58718 | AFLAC | $24 | $0 | $24 | 0.45% |
| SARAH E MEANY3 Filed as: SARAH E. MEANY | 4000 PORTAGE STREET, SUITE 109 KALAMAZOO, MI 49001 | AFLAC | $10 | $5 | $15 | 0.28% |
| LINDSAY PIPER3 | 10918 12TH AVENUE NW GRAND RAPIDS, MI 49534 | AFLAC | $5 | $0 | $5 | 0.09% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 219 | $17K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $95K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $95K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $95K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 127 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.