| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $33K | $231K | $263K | 7.77% |
| ACRISURE LLC3 | 100 OTTAWA AVE, SW GRAND RAPIDS, MI 49503 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.09% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 19.77% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | BENEFIT HEALTH ADVISOR 9605 S KINGSTON CT, STE 150 ENGLEWOOD, CO 80112 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 19.79% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $108 | $108 | 0.83% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | RELIANCE INS GROUP 2163 UNIVERSITY PARK DR., STE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | BENEFIT HEALTH ADVISOR 96-5 S KINGSTON CT, STE 150 ENGLEWOOD, CO 80112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 19.52% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $80 | $80 | 0.69% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | RELIANCE INS GROUP 2163 UNIVERSITY PARK DR STE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6 | $6 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE DBA BENEFIT HEALTH ADVISOR | 9605 S KINGSTON CT #150 ENGLEWOOD, CO 80112 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $552 | $44 | $596 | 10.96% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | BENEFIT HEALTH ADVISOR 9605 S KINGSTON CT, STE 150 ENGLEWOOD, CO 80112 | METROPOLITAN INSURANCE COMPANY | $934 | — | $934 | 20.42% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN INSURANCE COMPANY | — | $57 | $57 | 1.25% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | RELIANCE INS GROUP 2163 UNIVERSITY PARK DR., STE 200 OKEMOS, MI 48864 | METROPOLITAN INSURANCE COMPANY | — | $2 | $2 | 0.04% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BENEFIT HEALTH | ADVISORS 9605 S KINGSTON CT #150 ENGLEWOOD, CO 80112 | METROPOLITAN GENERAL INSURANCE COMPANY | $191 | — | $191 | 10.22% |
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 | 709 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 709 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 709 | $3.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 709 | $3.4M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $162K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $162K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $162K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 322 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 709 | — |
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.