| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | JAY HILLIER 500 N WATER ST SUITE 900 CORPUS CHRISTI, TX 78401 | DELTA DENTAL OF MICHIGAN | $4K | $13 | $4K | 6.11% |
| JOSH BROWER3 | 615 N CAPITOL AVE LANSING, MI 48933 | AMFIRST | $6K | — | $6K | 10.00% |
| JOHN KELLY3 | CHELTEN BENEFITS GROUP AGENCY, INC. 4768 PARVIEW DRIVE CLARKSTON, MI 483462788 | AMFIRST | $5K | — | $5K | 8.28% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED D/B/A | MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $3K | — | $3K | 5.00% |
| JOSH BROWER3 | 615 N CAPITOL AVENUE LANSING, MI 48933 | AMFIRST | $5K | — | $5K | 10.00% |
| JOHN KELLY3 | CHELTEN BENEFITS GROUP AGENCY, INC. 4768 PARVIEW DRIVE CLARKSTON, MI 483462788 | AMFIRST | $4K | — | $4K | 8.33% |
| MORGAN WHITE LIMITED3 Filed as: MORGAN WHITE LIMITED D/B/A | MWG BROKER SERVICES PO BOX 14067 JACKSON, MS 392364067 | AMFIRST | $3K | — | $3K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA VAST | 300 S FRONT STREET MARQUETTE, MI 49855 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $460 | — | $460 | 13.01% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMONS DRIVE BREWSTER, NY 10509 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $177 | — | $177 | 5.00% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 167 | $955K |
| Dental | DELTA DENTAL OF MICHIGAN | 192 | $62K |
| Vision | VISION SERVICE PLAN | 0 | $0 |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $4K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 167 | $841K |
| Other(3 contracts, 2 carriers) | AMFIRST | 163 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.