| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.60% |
| ACRISURE LLC3 | 2550 SOUTH ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 19.76% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S FOKSINSKI | 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $99 | — | $99 | 19.76% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 4.99% |
| ANDREW J LOEWEN3 | 321 WEST HOBART AVENUE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | — | $14 | 2.79% |
| CRAIG CHALL3 | 26794 COLLINGWOOD ROSEVILLE, MI 48066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 2.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE BENEFITS GRP | 2550 SOUTH ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | — |
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 | 193 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 151 | $60K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $0 |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $0 |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 172 | $501 |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $0 |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 172 | $0 |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 172 | $501 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 172 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.