| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM WADIE3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CARE NETWORK OF MICHIGAN | $28K | — | $28K | 3.20% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.17% |
| ADAM WADIE3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 3.13% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $651 | $651 | 0.25% |
| ACRISURE LLC3 | DBA GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $18K | $5K | $24K | 22.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC-MARK VANDENBRANDEN | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | $2K | $4K | 6.75% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | MARK VANDENBRANDEN 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.83% |
| ACRISURE LLC3 | 100 OTTAW AVE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 12.82% |
| MARK A RAYMER3 | 49148 MORNING GLORY DR MACOMB, MI 48044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.45% |
| STEPHEN A GRACIN3 | 21229 FRAZHO ST CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $903 | — | $903 | 2.11% |
| MAYA FEDOSSEEV3 | 303 KENSINGTON AVE FERNDALE, MI 48220 | CONTINENTAL AMERICAN INSURANCE COMPANY | $577 | — | $577 | 1.35% |
| MICHELE MARIE WIECZORKOWSKI3 | 34119 GARFIELD CIRCLE FRASER, MI 48026 | CONTINENTAL AMERICAN INSURANCE COMPANY | $513 | — | $513 | 1.20% |
| LISA MARIE LAING3 | 3840 FORESTER BLVD AUBURN HILLS, MI 48326 | CONTINENTAL AMERICAN INSURANCE COMPANY | $12 | — | $12 | 0.03% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | 1-800MD, LLC | $6K | — | $6K | 53.27% |
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 | 309 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 310 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 619 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 139 | $1.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 200 | $64K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 309 | $107K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 309 | $107K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 309 | $107K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 309 | $107K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 139 | $1.1M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 156 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 309 | — |
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.