| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $72K | $72K | 2.54% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $10K | 3.31% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $26K | — | $26K | 13.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NL LLC | 2305 RIVER RD LOUISVILLE, KY 40206 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 0.77% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.14% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $587 | $587 | 0.55% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES B. OSWALD CO. | 1100 SUPERIOR AVENUE E, SUITE 1500 C/O OSWALD CENTRE CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | — | $473 | $473 | 0.44% |
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 | 263 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 265 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 365 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 360 | $107K |
| Vision | EYEMED VISION CARE | 318 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 365 | $200K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 257 | $314K |
| Other | STANDARD INSURANCE COMPANY | 365 | $200K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.