| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRARIE CREEK DRIVE CALDEONIA, MI 49316 | STARMOUNT LIFE INSURANCE COMPANY | $15K | $3K | $18K | 12.39% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAM | AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $36K | $6K | $42K | 34.89% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 3.66% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAM | AON COMPANY 897 12TH STREET HAMMONTON, NJ 08037 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 38.61% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 4.42% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE CAMPBELL GROUP | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $220 | $5K | 14.48% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE CAMPBELL GROUP | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $205 | $3K | 9.22% |
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 | 643 | 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) | 643 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 255 | $144K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 255 | $144K |
| Life insurance(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 643 | $126K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 414 | $67K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 778 | $180K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 778 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.