| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICIA L CLINE3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $52K | — | $52K | 2.85% |
| KEYSER INSURANCE GROUP3 | DBA KEYSER INSURANCE GROUP OKEMOS, MI 48864 | BLUE CARE NETWORK OF MICHIGAN | — | $2K | $2K | 0.10% |
| ACRISURE LLC3 | 500 N WATER ST, STE 900 CORPUS CHRISTI, TX 78401 | DELTA DENTAL OF MICHIGAN | $8K | — | $8K | 3.97% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | KEYSER INSURANCE 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $1K | $329 | $1K | 0.75% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.72% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | KEYSER INSURANCE GROUP 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | VISION SERVICE PLAN | $2K | — | $2K | 5.04% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC DBA KEYSER | INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | VISION SERVICE PLAN | $1K | — | $1K | 3.30% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC DBA KEYSER | INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | VISION SERVICE PLAN | $271 | — | $271 | 0.81% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $1K | $5K | 13.52% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 14.97% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $976 | $6K | 17.89% |
| PATRICIA L CLINE3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $286 | — | $286 | 2.16% |
| INSGROUP INC3 Filed as: KEYSER INSURANCE GROUP DBA | KEYSER INSURANCE GROUP OKEMOS, MI 48864 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $4 | $4 | 0.03% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 389 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 394 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 404 | $1.9M |
| Dental | DELTA DENTAL OF MICHIGAN | 514 | $198K |
| Vision | VISION SERVICE PLAN | 432 | $33K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $65K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 280 | $53K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $32K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 404 | $1.9M |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 281 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 514 | — |
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.