| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA L CLINE3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $38K | — | $38K | 4.33% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $5K | $226 | $5K | 4.86% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $874 | $3K | 13.07% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $186 | — | $186 | 0.83% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $764 | $3K | 16.88% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $164 | — | $164 | 0.84% |
| CHRISTOPHER T FISHER LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $700 | $3K | 17.96% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $218 | — | $218 | 1.34% |
| CHRISTOPHER T FISHER LLC3 | DBA KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | VISION SERVICE PLAN | $836 | — | $836 | 6.16% |
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 | 155 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 201 | $883K |
| Dental | DELTA DENTAL OF MICHIGAN | 272 | $102K |
| Vision | VISION SERVICE PLAN | 88 | $14K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $39K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $20K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 201 | $883K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 155 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.