| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JUSTIN THIMMIG3 | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | PRIORITY HEALTH | $18K | — | $18K | 3.39% |
| SARAH C HOFFMAN3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $3K | — | $3K | 0.61% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 6.33% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE SHINEBERG AGCY | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 9.91% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $658 | $139 | $797 | 4.45% |
| ACRISURE LLC3 | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $254 | — | $254 | 1.42% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $219 | $219 | 1.22% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE SHINEBERG AGCY | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 10.04% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $587 | $129 | $716 | 4.48% |
| ACRISURE LLC3 | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $206 | — | $206 | 1.29% |
| MARTIN INSURANCE GROUP Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $196 | $196 | 1.23% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE SHINEBERG AGCY | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $726 | — | $726 | 12.91% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $300 | $44 | $344 | 6.12% |
| ACRISURE LLC3 | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $98 | — | $98 | 1.74% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $75 | $75 | 1.33% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE SHINEBERG AGCY | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $558 | — | $558 | 9.99% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $205 | $41 | $246 | 4.40% |
| ACRISURE LLC3 | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $76 | — | $76 | 1.36% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $68 | $68 | 1.22% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE SHINEBERG AGCY | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $329 | — | $329 | 6.70% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $117 | $34 | $151 | 3.08% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $58 | $58 | 1.18% |
| ACRISURE LLC3 | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $44 | — | $44 | 0.90% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $114 | $23 | $137 | 4.14% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE SHINEBERG AGCY | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $59 | — | $59 | 1.78% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $38 | $38 | 1.15% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE SHINEBERG AGCY | 2163 UNIVERSITY PARK DR, STE 200 OKEMOS, MI 48864 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $230 | — | $230 | 10.42% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $72 | $14 | $86 | 3.90% |
| ACRISURE LLC4 | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $29 | — | $29 | 1.31% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $24 | $24 | 1.09% |
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 | 93 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 93 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 71 | $524K |
| Dental | DELTA DENTAL OF MICHIGAN | 84 | $30K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 58 | $5K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 121 | $18K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 36 | $21K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 45 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.