| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $14K | — | $14K | 4.46% |
| THOMAS DANIEL SNOW JR3 | ACRISURE LLC DBA VAST 300 S FRONT ST MARQUETTE, MI 49855 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $6K | — | $6K | 4.45% |
| ACRISURE LLC3 | THOMAS SNOW JR 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 5.18% |
| ACRISURE LLC3 | 300 S FRONT ST MARQUETTE, MI 49855 | VISION SERVICE PLAN | $1K | — | $1K | 6.14% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DR URBANDALE, IA 50323 | VISION SERVICE PLAN | $690 | — | $690 | 3.97% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VAST | 300 S FRONT ST MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CARE NETWORK OF MICHIGAN | 58 | $447K |
| Dental | DELTA DENTAL OF MICHIGAN | 201 | $68K |
| Vision | VISION SERVICE PLAN | 301 | $17K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $28K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 58 | $321K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 326 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.