| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | BLUECROSS BLUESHIELD OF ILLINOIS | $222K | — | $222K | 1.85% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 6307 84TH STREET SE CALEDONIA, MI 49316 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 0.34% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $42K | $496 | $43K | 10.09% |
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 | 1,159 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,980 | $13.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 303 | $166K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 2,198 | $1.1M |
| Life insurance | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 607 | $423K |
| Short-term disability | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 607 | $423K |
| Other | DEARBORN NATIONAL LIFE INSURANCE COMPANY | 607 | $423K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,980 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.