| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | BLUECROSS BLUESHIELD OF ILLINOIS | $50K | — | $50K | 3.90% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | THE RIGG DARLINGTON 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 9.91% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | WINE SERGI COMPANY 1000 E WARRENVILLE RD, STE 101 NAPERVILLE, IL 60563 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $3K | $7K | 11.89% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $2K | $6K | 10.98% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA WINE SERGI & | COMPANY 1000 EAST WARRENVILLE RD., #101 NAPERVILLE, IL 60563 | EYEMED | $927 | — | $927 | 8.10% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA PRESIDIO | 55 SHUMAN BLVD SUITE 900 NAPERVILLE, IL 60563 | EYEMED | $100 | — | $100 | 0.87% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | THE RIGG DARLINGTON 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | CIGNA DENTAL HEALTH OF ILLINOIS | $396 | — | $396 | 10.00% |
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 | 128 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 259 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $84K |
| Vision | EYEMED | 259 | $11K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $58K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.