| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DENNIS A CAMPBELL3 | 26026 TELEGRAPH ROAD, STE 100 SOUTHFIELD, MI 480338033 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $59K | — | $59K | 3.67% |
| JOSEPH J HANEY3 | 42560 VAN DYKE STERLING HEIGHTS, MI 483143323 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $21K | — | $21K | 1.30% |
| PROADVISOR INSURANCE AGY LLC3 | 26555 EVERGREEN ROAD, STE 535 SOUTHFIELD, MI 480768076 | 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 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $4K | $17K | 12.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF MICHIGAN | 13900 LAKESIDE CIR STERLING HEIGHTS, MI 483131442 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.00% |
| GARRY L JOHNSON & ASSOCIATES INC3 Filed as: GARRY L JOHNSON | 3850 E BASELINE RD STE 121 MESA, AZ 852064404 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.85% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC. | 26026 TELEGRAPH RD., SUITE 100 SOUTHFIELD, MI 48033 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 7.03% |
| MMA SERVICE CORP3 | 620 S CAPITOL AVE LANSING, MI 48933 | METROPOLITAN LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| ACRISURE LLC3 Filed as: RALPH WILSON AGENCY INC. | 26026 TELEGRAPH RD., SUITE 100 SOUTHFIELD, MI 48034 | FIDELITY SECURITY LIFE INSURANCE-EYEMED VISION CARE | $2K | — | $2K | 13.00% |
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 | 222 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 206 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 222 | $120K |
| Vision | FIDELITY SECURITY LIFE INSURANCE-EYEMED VISION CARE | 210 | $14K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $136K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 166 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 222 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.