| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R ALTON3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | $61K | $0 | $61K | 4.53% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MA 49503 | BLUE CARE NETWORK OF MICHIGAN | $0 | $1K | $1K | 0.10% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE, SW GRAND RAPIDS, MI 49503 | CALIFORNIA PHYSICIANS' SERVICE | $35K | $0 | $35K | 5.00% |
| JAMES R ALTON3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $29K | $0 | $29K | 5.27% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $267 | $267 | 0.05% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07362 | CAREFIRST BLUECHOICE, INC. | $6K | $0 | $6K | 1.96% |
| MATHER & STROHL ADMIN SVC INC5 Filed as: MATHER AND STROHL ADMINISTRATIVE | 12404 PARK CENTRAL DR STE 400 DALLAS, TX 75251 | CAREFIRST BLUECHOICE, INC. | $0 | $2K | $2K | 0.79% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: CAMPBELL FINANICAL BENEFITS | 3216 CHRISTY WAY, STE 4 SAGINAW, MI 48603 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $10K | 9.31% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNUM INSURANCE COMPANY | $4K | $531 | $5K | 15.58% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $434 | $4K | 15.67% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1K | $1K | 4.98% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNUM INSURANCE COMPANY | $2K | $365 | $3K | 16.06% |
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 | 233 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 175 | $2.9M |
| Dental | CAREFIRST BLUECHOICE, INC. | 33 | $310K |
| Vision | CAREFIRST BLUECHOICE, INC. | 33 | $310K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $128K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $105K |
| Prescription drug(4 contracts, 4 carriers) | BLUE CARE NETWORK OF MICHIGAN | 175 | $2.9M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 233 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.