| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 3.37% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | JAMES ALTON 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 0.95% |
| ACRISURE LLC3 | 5411 SKY CENTER DR STE 600 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $3K | $8K | 13.11% |
| ACRISURE LLC3 | 5411 SKY CENTER DR STE 600 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $2K | $9K | 20.24% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 | 5411 SKY CENTER DR STE 600 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | $2K | $7K | 17.14% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ACRISURE BENEFITS | GROUP 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | NATIONAL VISION ADMINISTRATORS, LLC | $2K | — | $2K | 10.00% |
| TONI E STEED LLC3 | 11218 WARFIELD AVE HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $389 | $18 | $407 | 2.30% |
| FRANCES LYNN MCCARTER3 | 10331 LINKSLAND DR HUNTERSVILLE, NC 28078 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $285 | $102 | $387 | 2.19% |
| HYLANT GROUP INC3 | 201 DEPOT STREET ANN ARBOR, MI 48104 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $353 | — | $353 | 2.00% |
| LINDA P COLEMAN3 | 18908 RIVER WIND LANE DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $273 | $6 | $279 | 1.58% |
| DONNA N DWYER3 | 1495 RYMCO DRIVE WINSTON SALEM, NC 27103 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $111 | $80 | $191 | 1.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: UNHUI KIM BROWN | PO BOX 1722 DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $172 | $1 | $173 | 0.98% |
| BALLARD FINANCIAL LLC3 | 17441 MADISON ST SOUTHFIELD, MI 48076 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | $2 | $68 | 0.38% |
| CARPENTER INSURANCE LLC3 Filed as: THE CARPENTER GROUP | 312 RENSSELAER AVE CHARLOTTE, NC 28203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $64 | — | $64 | 0.36% |
| PHIL COLEMAN3 | 18908 RIVERWIND LN DAVIDSON, NC 28036 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | — | $40 | 0.23% |
| ERIKA ROBERTS-POE3 Filed as: ERIKA D DALTON | 2146 STONE PILE DR SW CONCORD, NC 28025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | — | $37 | 0.21% |
| CEDORA B LEVINER3 | PO BOX 758 KANNAPOLIS, NC 28082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $23 | — | $23 | 0.13% |
| PATRICIA L CARON3 | 7 AVENIDA VISTA GRANDE SANTA FE, NM 87508 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| INSYNC BENEFITS INC3 Filed as: INSYNC BENEFIT INC | PO BOX 1474 CORNELIUS, NC 28031 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.10% |
| KIMBERLY JILL ZBIKOWSKI3 | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $3 | $11 | 0.06% |
| W F HILL AND ASSOCIATES INC3 | 30700 TELEGRAPH RD BINGHAM FARMS, MI 48025 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7 | $2 | $9 | 0.05% |
| TODD J STRBIK3 | 1727 NEMOKE TR #4 HASLETT, MI 48840 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.05% |
| MICHAEL EDWARD HOOVER3 | 206 LAKE STREET ELK RAPIDS, MI 49629 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.03% |
| SUSAN FONTENOT3 | 10717 DAPPLE GREY LANE CHARLOTTE, NC 28213 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| DAVID MASON DOKELL3 | 159 BEACON DR UNIT A MOORESVILLE, NC 28117 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| ACRISURE LLC3 | 5411 SKY CENTER DR STE 600 TAMPA, FL 33607 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $653 | $2K | 15.29% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $618 | $618 | 5.00% |
| HYLANT GROUP INC3 Filed as: HYLAND GROUP INC | 85 CAMPAU AVE SW STE 100 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $834 | $13 | $847 | 8.35% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $375 | — | $375 | 3.70% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD STE 400 TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $170 | $170 | 1.68% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA | GROUP AGENCY, LLC 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $3 | $3 | 0.03% |
| HYLANT GROUP INC3 Filed as: HYLAND GROUP INC | 85 CAMPAU AVE NW STE 100 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $150 | — | $150 | 3.28% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $103 | — | $103 | 2.25% |
| HYLANT GROUP INC3 | 2401 W BIG BEAVER RD TROY, MI 48084 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $41 | $41 | 0.90% |
| MSG BENEFITS LLC3 | PO BOX 1005 ADA, MI 49301 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.37% |
| GCG FINANCIAL LLC3 Filed as: LIGHTHOUSE GROUP, AN ALERA | GROUP AGENCY LLC 56 GRANDVILLE AVE SW, STE 300 GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $1 | $1 | 0.02% |
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 | 288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 445 | $187K |
| Vision | NATIONAL VISION ADMINISTRATORS, LLC | 372 | $19K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $56K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 286 | $62K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $40K |
| Other(6 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 287 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 445 | — |
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.