| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR HEALTH BENEFITS3 | 3033 ORCHARD VISTA DR SE STE 200 GRAND RAPIDS, MI 49546 | ARDELLIS INSURANCE | $71K | — | $71K | 17.63% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC - JAMES ALTON | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 4.72% |
| ACRISURE LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $365 | $7K | 15.33% |
| ACRISURE LLC Filed as: ACRISURE | PO BOX 1788 GRAND RAPIDS, MI 49501 | EYEMED | $2K | — | $2K | — |
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 | 224 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 224 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 431 | $187K |
| Vision | EYEMED | 453 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $291K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $291K |
| Stop-loss / reinsurancereinsurance | ARDELLIS INSURANCE | 224 | $402K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $340K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 453 | — |
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.