| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRAND RISK ADVISORS LLC3 Filed as: GRAND RISK ADVISORS | PO BOX 1610 BIG RAPIDS, MI 49307 | PRIORITY HEALTH | $0 | — | $0 | 0.00% |
| LERNER CSERNAI & FATH FINANCIAL GRO3 Filed as: LERNER, CSERNAI & FATH FINANCIAL | 15505 WALDRON WAY BIG RAPIDS, MI 49307 | DELTA DENTAL OF MICHIGAN | $2K | $0 | $2K | 1.69% |
| GRAND RISK ADVISORS LLC3 | PO BOX 1610 BIG RAPIDS, MI 49307 | DELTA DENTAL OF MICHIGAN | $458 | $0 | $458 | 0.47% |
| LIGHTHOUSE GROUP3 | 56 GRANVILLE AVE STE 300 GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $423 | $0 | $423 | 0.44% |
| GRAND RISK ADVISORS LLC3 Filed as: GRAND RISK ADVISORS | PO BOX 1610 BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | $0 | $5K | 12.65% |
| GISS BENEFITS3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 6.41% |
| LERNER CSERNAI & FATH FINANCIAL GRO3 | 15505 WALDRON WAY BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.35% |
| GRAND RISK ADVISORS LLC3 | PO BOX 1610 BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 12.59% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $2K | $2K | 6.44% |
| LERNER CSERNAI & FATH FINANCIAL GRO3 | 15505 WALDRON WAY BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $853 | $0 | $853 | 2.41% |
| GRAND RISK ADVISORS LLC3 | PO BOX 1610 BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $967 | $0 | $967 | 12.49% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $502 | $502 | 6.49% |
| LERNER CSERNAI & FATH FINANCIAL GRO3 | 15505 WALDRON WAY BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $193 | $0 | $193 | 2.49% |
| GRAND RISK ADVISORS LLC3 Filed as: GRAND RISK ADVISORS | PO BOX 1610 BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $771 | $0 | $771 | 12.54% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $397 | $397 | 6.46% |
| LERNER CSERNAI & FATH FINANCIAL GRO3 | 15505 WALDRON WAY BIG RAPIDS, MI 49307 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10 | $0 | $10 | 0.16% |
| GRAND RISK ADVISORS LLC3 Filed as: GRAND RISK ADVISORS | 910 12TH ST NW GRAND RAPIDS, MI 49504 | VISION SERVICE PLAN | $428 | $0 | $428 | 7.47% |
| LERNER CSERNAI & FATH FINANCIAL GRO3 Filed as: LERNER, CSERNAI & FATH FINANCIAL GR | 15505 WALDRON WAY BIG RAPIDS, MI 49307 | VISION SERVICE PLAN | $143 | $0 | $143 | 2.50% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP INC | 56 GRANDVILLE AVE SW STE 3000 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | -$1 | $0 | -$1 | -0.02% |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 309 | $907K |
| Dental | DELTA DENTAL OF MICHIGAN | 315 | $97K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 362 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 19 | $49K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 18 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.