| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN D TAGGART3 | 13900 SW BAY SHORE DR TRAVERSE CITY, MI 49684 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $36K | $2K | $38K | 5.32% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 1.12% |
| INSGROUP INC3 Filed as: LARKIN INSURANCE GROUP INS | 13900 S WEST BAY SHORE DR TRAVERSE CITY, MI 49684 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 9.08% |
| ACRISURE LLC3 | 9500 S DADELAND BLVD #400 MIAMI, FL 33156 | NATIONWIDE LIFE INSURANCE COMPANY | $1K | — | $1K | 14.35% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 190 | $714K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $61K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 235 | $61K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 192 | $7K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 190 | $714K |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 192 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.