| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUECROSS BLUESHIELD OF ILLINOIS | $227K | — | $227K | 1.85% |
| BRYAN TAGGART3 | 13900 S WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | PRIORITY HEALTH | $14K | — | $14K | 2.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | DEARBORN LIFE INSURANCE COMPANY | $43K | $15K | $58K | 8.48% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $483 | $3K | 12.73% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $961 | $192 | $1K | 12.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $933 | $187 | $1K | 12.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $563 | $113 | $676 | 12.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $534 | $107 | $641 | 12.01% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $500 | $100 | $600 | 12.01% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | $18 | $109 | 11.93% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $91 | $18 | $109 | 12.03% |
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 | 960 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 960 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF ILLINOIS | 2,630 | $13.0M |
| Dental | BLUECROSS BLUESHIELD OF ILLINOIS | 2,630 | $12.3M |
| Vision | DEARBORN LIFE INSURANCE COMPANY | 960 | $683K |
| Life insurance(9 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 960 | $744K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 960 | $683K |
| Other(9 contracts, 2 carriers) | DEARBORN LIFE INSURANCE COMPANY | 960 | $744K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,630 | — |
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.