| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $10K | — | $10K | 0.95% |
| BRYAN D TAGGART3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $8K | — | $8K | 0.71% |
| LARKIN INSURANCE GROUP, INC.3 Filed as: LARKIN INSURANCE COMPANY | 13900 S WEST BAY SHORE DRIVE TRAVERSE CITY, MI 49684 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 10.72% |
| BRYAN D TAGGART3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CARE NETWORK OF MICHIGAN | $302 | — | $302 | 1.49% |
| GROTENHUIS3 | PO BOX 140167 GRAND RAPIDS, MI 49514 | BLUE CARE NETWORK OF MICHIGAN | $180 | — | $180 | 0.89% |
| ACRISURE LLC3 | 9500 S DADELAND BLVD #400 MIAMI, FL 33156 | NATIONWIDE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.28% |
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 | 152 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 214 | $1.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 325 | $74K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 325 | $74K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 216 | $14K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 214 | $1.1M |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 216 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 325 | — |
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."
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.