| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS | — | ARDELLIS | $177K | — | $177K | 17.97% |
| STRATEGIES BENEFIT GROUP LLC3 Filed as: STRATEGIES BENEFIT GROUP, LLC | 5075 CASCADE RD SE GRAND RAPIDS, MI 495463700 | AMERITAS LIFE INSURANCE CORP | $46K | — | $46K | 8.68% |
| STRATEGIES BENEFIT GROUP LLC3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | — | $44K | 9.24% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATOR | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 0.92% |
| STRATEGIES BENEFIT GROUP LLC3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $11K | — | $11K | 3.50% |
| ASR HEALTH BENEFITS3 | — | HCC LIFE INSURANCE COMPANY | $13K | — | $13K | 10.00% |
| STRATEGIES BENEFIT GROUP LLC5 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49546 | UNUM INSURANCE COMPANY | $11K | — | $11K | 18.68% |
| JOHN B. WEESIE3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49546 | UNUM INSURANCE COMPANY | -$31 | — | -$31 | -0.05% |
| STRATEGIES BENEFIT GROUP LLC3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49546 | UNUM INSURANCE COMPANY | $5K | — | $5K | 9.01% |
| JOHN B. WEESIE3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49546 | UNUM INSURANCE COMPANY | $3K | — | $3K | 5.50% |
| STRATEGIES BENEFIT GROUP LLC3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49501 | UNUM INSURANCE COMPANY | $3K | — | $3K | 6.68% |
| JOHN B. WEESIE3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 49546 | UNUM INSURANCE COMPANY | $2K | — | $2K | 3.58% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 THIRD-PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $630K |
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 | 2,561 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,561 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 40 | $324K |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,764 | $535K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,764 | $535K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,741 | $471K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,741 | $471K |
| Other(6 contracts, 4 carriers) | ARDELLIS | 1,741 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,764 | — |
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.