See the carriers, broker commissions and premiums for this plan.
It also shows filing history and funding margin. Your first month is $4.99.
See 2 contract rows with premium, retention and renewal dates. $4.99 for your first month.
Solo adds 10-year history, peer benchmarks, provider and welfare analytics, saves, and exports. Then $34.99 a month.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 44NORTH EIN 20-0156574 PLAN ADMINISTRATOR | Accounting (including auditing) Service code 10 | 1406 N. MITCHELL ST. CADIALLAC, MI 49601 | $154K |
| VAST EIN 38-1691372 INSURANCE BROKER/AGENT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | 300 S. FRONT ST. MARQUETTE, MI 49855 | $58K |
| ACRISURE REGIONAL BENEFITS EIN 26-3554645 INSURANCE BROKER/AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers; Other commissions Service code 22 | PO BOX 1788 GRAND RAPIDS, MI 49501 | $16K |
| LIGHTHOUSE GROUP EIN 38-3249365 INSURANCE BROKER/AGENT | Other commissions; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $15K |
| WHITAKER-LACHANCE EIN 26-3554645 INSURANCE BROKER/AGENT | Insurance agents and brokers; Other commissions; Insurance brokerage commissions and fees Service code 22 | 2176 EAST CENTRE AVENUE PORTAGE, MI 49002 | $8K |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 378 | $1.8M |
| Dental(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 378 | $1.8M |
| Vision(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 378 | $1.8M |
| Life insurance(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 378 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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 the prior year. Good candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultant sales target.
The filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported. Worth a call.
Multiple-employer welfare arrangement. It has its own regulatory and compliance rules.