| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 7.93% |
| KOPPINGER & ASSOCIATES, INC.3 | 3060 COMMERCE DRIVE SUITE 4 FORT GRATIOT, MI 48059 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 1.58% |
| ACRISURE LLC3 | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | SHELTERPOINT LIFE | $19K | — | $19K | 15.00% |
| KOPPINGR & ASSOCIATES INC.3 | 3060 COMMERCE DRIVE FORT GRATIOT, MI 48059 | SHELTERPOINT LIFE | $5K | — | $5K | 3.75% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE BENEFITS GRP | 2550 SOUTH ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $682 | $9K | 8.14% |
| KOPPINGER & ASSOCIATES, INC.3 Filed as: KOPPINGER & ASSOCIATES INC | 3060 COMMERCE DRIVE SUITE 4 FORT GRATIOT, MI 48059 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 2.29% |
| ACRISURE LLC3 | 2625 WEST PETERSON AVENUE CHICAGO, IL 60659 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 1.37% |
| ACRISURE LLC3 | 2550 SOUTH ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | CONTINENTAL AMERICAN INSURANCE COMPANY | $701 | — | $701 | 10.27% |
| JEANNETTE S STAPLETON3 Filed as: JEANNETTE S FOKSINSKI | 34706 CENTAUR DETROIT, MI 48226 | CONTINENTAL AMERICAN INSURANCE COMPANY | $675 | — | $675 | 9.89% |
| GREG A GOULD3 | 8105 GINGKO WAY DEXTER, MI 48130 | CONTINENTAL AMERICAN INSURANCE COMPANY | $120 | — | $120 | 1.76% |
| ANDREW J LOEWEN3 | 321 WEST HOBART AVENUE FINDLAY, OH 45840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $90 | — | $90 | 1.32% |
| CRAIG CHALL3 | 26794 COLLINGWOOD ROSEVILLE, MI 48066 | CONTINENTAL AMERICAN INSURANCE COMPANY | $40 | — | $40 | 0.59% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $356K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $109K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $109K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $115K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $109K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 170 | $109K |
| Other(3 contracts, 3 carriers) | SHELTERPOINT LIFE | 170 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.