No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 44NORTH EIN 20-0156574 PLAN ADMIN/ACCOUNTING | Accounting (including auditing); Plan Administrator Service code 10 | 1406 N. MITCHELL ST CADILLAC, MI 49601 | $67K |
| MCLAREN HEALTH PLAN EIN 27-2204037 INSURANCE PROVIDER | Insurance services Service code 23 | PO BOX 771983 DETROIT, MI 482771983 | $37K |
| MANER COSTERISAN EIN 38-2157642 AUDITOR | Accounting (including auditing) Service code 10 | 2425 E. GRAND RIVER AVE, SUITE 1 LANSING, MI 48912 | $23K |
| VAST EIN 38-1691372 INSURANCE BROKER/AGENT | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 300 S FRONT ST MARQUETTE, MI 49855 | $16K |
| MILLER, JOHNSON, SNELL & CUMMISKEY EIN 38-1603110 LEGAL | Legal Service code 29 | PO BOX 306 GRAND RAPIDS, MI 495010306 | $11K |
| LIGHTHOUSE GROUP EIN 38-3249365 INSURANCE BROKER/AGENT | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 56 GRANDVILLE AVE SW SUITE 300 GRAND RAPIDS, MI 49503 | $9K |
| ACRISURE CORPORATE BENEFITS EIN 26-3554645 INSURANCE BROKER/AGENT | Insurance brokerage commissions and fees; Other commissions; Insurance agents and brokers Service code 22 | PO BOX 1788 GRAND RAPIDS, MI 49501 | $6K |
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 | 7 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 7 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH INSURANCE COMPANY | 0 | $2.8M |
| Dental | PRIORITY HEALTH | 0 | $731K |
| Vision | PRIORITY HEALTH | 0 | $731K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.