| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS5 | 618 KENMOOR AVENUE SE SUITE 200 GRAND RAPIDS, MI 49546 | ARDELLIS | $164K | — | $164K | 17.98% |
| HARRY M BAXTER III3 Filed as: HARRY MURVIN BAXTER III | 4467 CASCADE RD SE STE 4480 GRAND RAPIDS, MI 495463776 | AMERITAS LIFE INSURANCE CORP | $25K | — | $25K | 4.99% |
| STRATEGIES BENEFIT GROUP LLC3 Filed as: STRATEGIES BENEFIT GROUP, LLC | 5075 CASCADE RD SE GRAND RAPIDS, MI 495463700 | AMERITAS LIFE INSURANCE CORP | $11K | — | $11K | 2.19% |
| JOHN B. WEESIE3 | 5075 CASCADE RD SE GRAND RAPIDS, MI 495463700 | AMERITAS LIFE INSURANCE CORP | $7K | — | $7K | 1.46% |
| HARRY M BAXTER III3 Filed as: HARRY M. BAXTER III | 3940 BAYWOOD DR SE GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 6.63% |
| JOHN B. WEESIE3 | 5075 CASCADE RD SE STE M GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 3.37% |
| PLANSOURCE BENEFIT ADMINISTRATION3 Filed as: PLANSOURCE BENEFIT ADMINISTRATOR | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 1.00% |
| ASR HEALTH BENEFITS3 | 618 KENMOOR AVENUE SE SUITE 200 GRAND RAPIDS, MI 49546 | HCC LIFE INSURANCE COMPANY | $11K | — | $11K | 10.00% |
| BAXTER, HARRY, MURVIN3 | 5075 CASCADE RD SE STE L GRAND RAPIDS, MI 49546 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 27.46% |
| PLANSOURCE BENEFIT ADMINISTRATION3 | PO BOX 1313 ORLANDO, FL 32802 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $690 | — | $690 | 0.94% |
| JOHN B. WEESIE4 | 4467 CASCADE RD SE STE 4480 GRAND RAPIDS, MI 49545 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152 | — | $152 | 0.21% |
| ENROLL FORCE, LLC3 | 503 FORREST PARK CT HUNTSVILLE, AL 35806 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| LAURA ANN MARSHALL3 Filed as: LAURA ANN MCGINNIS | 8232 ECKERT RD CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $35 | — | $35 | 0.77% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.51% |
| MARY LOU TAYLOR3 | 11176 WILLMINGTON BLVD ENGLEWOOD, FL 34224 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.44% |
| LAURA ANN MARSHALL3 Filed as: LAURA ANN MCGINNIS | 8232 ECKERT RD CONCORD, MI 49237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 5.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 THIRD-PARTY ADMINISTRATOR | Contract Administrator Service code 13 | — | $553K |
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 | 1,475 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 50 | $348K |
| Dental | AMERITAS LIFE INSURANCE CORP | 1,515 | $497K |
| Vision | AMERITAS LIFE INSURANCE CORP | 1,515 | $497K |
| Life insurance(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,475 | $368K |
| Short-term disability(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 9 | $5K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,475 | $363K |
| Other(7 contracts, 4 carriers) | ARDELLIS | 1,475 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,515 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.