| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED HEALTHCARE INSURANCE COMPANY | $18K | $114K | $132K | 6.04% |
| RSI INS BROKERS INC.3 | 2801 BRISTOL ST STE 200 COSTA MESA, CA 92626 | UNITED HEALTHCARE INSURANCE COMPANY | $4 | $18 | $22 | 0.00% |
| BERNARD DAVID THOMAS3 | 2801 BRISTOL ST STE 200 COSTA MESA, CA 92626 | UNITED HEALTHCARE INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | PRINCIPAL FINANCIAL GROUP | $9K | — | $9K | 15.00% |
| KEN SLATER INSURANCE COMPANY3 | 110 N 2ND PO BOX 1066 CHEROKEE, IA 51012 | PRINCIPAL FINANCIAL GROUP | $2K | — | $2K | 2.75% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALL TRUST INSURANCE | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNITED HEALTH INSURANCE COMPANY | $4K | — | $4K | 9.05% |
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 | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 375 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 603 | $2.2M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 603 | $2.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 603 | $2.2M |
| Life insurance | UNITED HEALTH INSURANCE COMPANY | 684 | $39K |
| Short-term disability | PRINCIPAL FINANCIAL GROUP | 105 | $60K |
| Long-term disability | PRINCIPAL FINANCIAL GROUP | 105 | $60K |
| Other | UNITED HEALTH INSURANCE COMPANY | 684 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.