| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS A CAMPBELL3 | 26026 TELEGRAPH RD., SUITE 100 SOUTHFIELD, MI 48033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $56K | — | $56K | 3.50% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC. | 26026 TELEGRAPH RD., SUITE 100 SOUTHFIELD, MI 48033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $1K | $1K | 0.08% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC. | 26026 TELEGRAPH RD., SUITE 100 SOUTHFIELD, MI 48033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 12.00% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC. | 26026 TELEGRAPH RD., SUITE 100 SOUTHFIELD, MI 48033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 15.00% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC. | 26026 TELEGRAPH RD., SUITE 100 SOUTHFIELD, MI 48033 | FIDELITY SECURITY LIFE INSURANCE-EYEMED VISION CARE | $3K | — | $3K | 13.05% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE-EYEMED VISION CARE | 342 | $21K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 189 | $95K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.