| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASSIE GOODBAND3 | 444 W. MICHIGAN AVENUE KALAMAZOO, MI 49007 | BLUE CARE NETWORK OF MICHIGAN | $39K | — | $39K | 3.37% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | — | $6K | $6K | 0.52% |
| CASSIE GOODBAND3 | 444 W. MICHIGAN AVENUE KALAMAZOO, MI 49007 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $13K | — | $13K | 3.66% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.41% |
| ACRISURE LLC3 | CASSIE GOODBAND 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 3.72% |
| ACRISURE LLC3 | CASSIE GOODBAND 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 1.89% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 20.38% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.90% |
| ACRISURE LLC5 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $359 | $359 | 2.34% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 22.11% |
| ACRISURE LLC5 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $338 | $338 | 2.21% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA KEYSER INSURANCE | 444 W. MICHIGAN AVENUE KALAMAZOO, MI 49007 | EYEMED | $1K | — | $1K | 8.36% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 7303 MERCHANT CT LAKEWOOD RANCH, FL 34240 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $839 | $2K | 17.17% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 221 | $1.5M |
| Dental | DELTA DENTAL OF MICHIGAN | 329 | $91K |
| Vision | EYEMED | 283 | $13K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $51K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 221 | $1.5M |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 329 | — |
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.