| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRYAN D TAGGART3 | 770 KENMOOR AVE. SE, SUITE 300 GRAND RAPIDS, MI 49546 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | — | $35K | 2.39% |
| BRYAN D TAGGART3 | 770 KENMOOR AVE., SE, SUITE 300 GRAND RAPIDS, MI 49546 | BLUE CARE NETWORK OF MICHIGAN | $4K | — | $4K | 2.25% |
| ACRISURE LLC3 | 770 KENMOOR AVE. SE, SUITE 300 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 34.02% |
| ACRISURE LLC3 | 770 KENMOOR AVE. SE, SUITE 300 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 15.08% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PKWY SE STE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 4.34% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $320 | $320 | 1.18% |
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 | 232 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 232 | 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 | 455 | $1.7M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 455 | $1.5M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 455 | $1.5M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 601 | $27K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 455 | $1.7M |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 601 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 601 | — |
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.