| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $208K | $208K | 1.57% |
| BRYAN TAGGART3 | 13900 S WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $15K | — | $15K | 2.00% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNITEDHEATHCARE INSURANCE COMPANY | $26K | — | $26K | 15.31% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE GRAND RAPIDS, MI 49546 | ONE AMERICA | $22K | — | $22K | 15.00% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 10.02% |
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 | 1,486 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 145 | $14.0M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 10,330 | $71K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 1,486 | $314K |
| Short-term disability | UNITEDHEATHCARE INSURANCE COMPANY | 1,486 | $169K |
| Other(2 contracts, 2 carriers) | UNITEDHEATHCARE INSURANCE COMPANY | 1,486 | $314K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,330 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.