| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADAM WADIE3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CARE NETWORK OF MICHIGAN | $35K | — | $35K | 4.51% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | — | $1K | $1K | 0.18% |
| ADAM WADIE3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $14K | — | $14K | 4.70% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.41% |
| ACRISURE LLC3 | DBA GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $19K | — | $19K | 19.00% |
| ACRISURE LLC3 | 100 OTTAW AVE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10K | — | $10K | 25.29% |
| MARK A RAYMER3 | 49148 MORNING GLORY DR MACOMB, MI 48044 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 13.55% |
| STEPHEN A GRACIN3 | 21229 FRAZHO ST CLAIR SHORES, MI 48081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 4.15% |
| MICHELE MARIE WIECZORKOWSKI3 | 34119 GARFIELD CIRCLE FRASER, MI 48026 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
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 | 247 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 130 | $1.1M |
| Dental | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | 56 | $299K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $103K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $103K |
| Short-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $103K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $103K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 130 | $1.1M |
| Other(3 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 247 | $152K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.