| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ACRISURE LLC DBA BRITTON-GALLAGHER | 5664 PRARIE CREEK DR SE CALEDONIA, MI 49316 | AETNA LIFE INSURANCE CO. | $43K | — | $43K | 38.38% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: ACRISURE DBA BRITTON-GALLAGHER & AS | 1375 E 9TH STREET, FL 30 CLEVELAND, OH 44114 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $801 | — | $801 | 9.90% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE LLC EIN 26-3554645 BROKER | Insurance agents and brokers Service code 22 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | $0 |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 190 | $111K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 158 | $8K |
| Short-term disability | AETNA LIFE INSURANCE CO. | 190 | $111K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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."
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.