| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HARRY M BAXTER III3 Filed as: HARRY M. BAXTER III | 5075 CASCADE ROAD GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $14K | — | $14K | 3.36% |
| HARRY M BAXTER III3 Filed as: HARRY M. BAXTER | 3940 BAYWOOD DR SE GRAND RAPIDS, MI 49546 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $34K | — | $34K | 8.51% |
| HARRY M BAXTER III3 | 5075 CASCADE RD SE, SUITE L GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $32K | — | $32K | 15.00% |
| ASR HEALTH BENEFITS3 | 3033 ORCHARD VISTA DR. SE GRAND RAPIDS, MI 49546 | AIG LIFE | $11K | — | $11K | 10.00% |
| HARRY M BAXTER III3 | 5075 CASCADE RD SE, SUITE L GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 32.54% |
| ENROLL FORCE, LLC3 Filed as: ENROLL FORCE LLC | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 32.54% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 2.40% |
| MARY LOU TAYLOR3 | 2610 WINESAP COURT NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $125 | — | $125 | 2.00% |
| JAMES A SMAARDYK3 Filed as: JAMES M TAYLOR | 2610 WINESAP COURT NE GRAND RAPIDS, MI 49525 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | — | $7 | 0.11% |
| THE CRAFT AGNECY INC3 | 2533 SPRING ARBOR RD JACKSON, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $104 | — | $104 | 3.45% |
| LAURA ANN MARSHALL3 | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $94 | — | $94 | 3.12% |
| TIFFANIE MARIE UNDERWOOD3 | 4601 FELLA STREET SHELBY TOWNSHIP, MI 48316 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $30 | — | $30 | 0.99% |
| THE CRAFT AGENCY INC.3 Filed as: THE CRAFT AGENCY INC | 2533 SPRING ARBOR RD JACKSON, MI 49203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $84 | — | $84 | 3.49% |
| LAURA ANN MARSHALL3 | 206 THIRD STREET CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $54 | — | $54 | 2.25% |
| TIFFANIE MARIE UNDERWOOD3 | 149 SOUTH VISTA DRIVE AUBURN HILLS, MI 48326 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $24 | — | $24 | 1.00% |
| AON CONSULTING INC3 | 200 EAST RANDOLPH CHICAGO, IL 60601 | COMBINED INSURANCE COMPANY OF AMERICA | $7 | — | $7 | 3.14% |
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 | 766 | 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) | 766 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 72 | $428K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 557 | $395K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 557 | $395K |
| Life insurance(5 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,389 | $223K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 8 | $12K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,389 | $211K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 72 | $426K |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,389 | $366K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,389 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.