| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $25K | — | $25K | 10.01% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $5K | $5K | 6.33% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 5.77% |
| 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 | 7.30% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 6.26% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 8.89% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 6.21% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 13.10% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 5.73% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | KEYSER INSURANCE GROUP 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 6.19% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 7.36% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | PO BOX 1788 GRAND RAPIDS, MI 49501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 12.82% |
| CHOICEINE INSURANCE AGENCIES INC3 | 109 E DIVISION ST SPARTA, MI 49345 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS | GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 6.43% |
| ACRISURE LLC3 | KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | METROPOLITAN GENERAL INSURANCE COMPANY | $1K | $329 | $2K | 11.30% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | PO BOX 1788 GRAND RAPIDS, MI 49501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $261 | — | $261 | 9.15% |
| CHOICEINE INSURANCE AGENCIES INC3 | 109 E DIVISION ST SPARTA, MI 49345 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.11% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | PO BOX 1788 GRAND RAPIDS, MI 49501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $77 | — | $77 | 7.00% |
| CHOICEONE INSURANCE AGENCIES, INC3 | 109 E DIVISION ST SPARTA, MI 49345 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.09% |
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 | 214 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 657 | $245K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 219 | $38K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $101K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 306 | $84K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $51K |
| Other(9 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 310 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 657 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.