| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PATRICIA CLINE 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $13K | — | $13K | 18.58% |
| ACRISURE LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | GUARDIAN | $7K | — | $7K | 13.32% |
| THE HUTTENLOCHER GROUP II, LLC3 Filed as: THE HUTTENLOCHER GROUP LLC | 1007 W HURON ST WATERFORD TOWNSHIP, MI 48328 | GUARDIAN | — | $921 | $921 | 1.89% |
| ACRISURE LLC3 | DBA KEYSER INSURANCE GROUP PO BOX 50631 KALAMAZOO, MI 49005 | AMERITAS LIFE INSURANCE CORP. | $1K | — | $1K | 8.42% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | AMERITAS LIFE INSURANCE CORP. | $542 | — | $542 | 4.09% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES I | 32110 AGOURA RD WESTLAKE VILL, CA 91361 | AMERITAS LIFE INSURANCE CORP. | $122 | — | $122 | 0.92% |
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 | 120 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 266 | $67K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 246 | $13K |
| Life insurance | GUARDIAN | 120 | $49K |
| Short-term disability | GUARDIAN | 120 | $49K |
| Long-term disability | GUARDIAN | 120 | $49K |
| Other | GUARDIAN | 120 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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.