| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BYRAN D TAGGART3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $55K | $2K | $57K | 4.04% |
| BYRAN D TAGGART3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 2.81% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $22K | — | $22K | 60.92% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $287 | $3K | 14.62% |
| BENEFIT PROFILES INC3 Filed as: BENEFIT PROFILES | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.58% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | 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 | 302 | $1.6M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 302 | $1.4M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 302 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 455 | $22K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 302 | $1.6M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 455 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 455 | — |
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.
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.