| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DRIVE SE CALENDONIA, MI 49316 | PRIORITY HEALTH | $20K | — | $20K | 2.00% |
| ACRISURE LLC3 | — | DELTA DENTAL OF MICHIGAN | $4K | — | $4K | 6.27% |
| ACRISURE LLC3 | 370 LEXINGTON AVE #1400 NEW YORK, NY 10017 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | $3K | $9K | 19.54% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DRIVE S.W. WYOMING, MI 49519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.56% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.93% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 3.27% |
| MIKE S GAYNOR3 | 625 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 2.56% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $640 | — | $640 | 1.54% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SOUTHWEST GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $78 | — | $78 | 0.19% |
| TAMARA J YOUNGS3 Filed as: TAMARA YOUNGS | 12045 JENKS STREET NE BELDING, MI 48809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27 | — | $27 | 0.07% |
| STEPHANIE L KESSELRING3 | 3141 ROLLING GREEN COURT MILFORD, MI 48380 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| CHRIS D BOULDREY3 | 340 WOOD HILLS DRIVE CONCORD, MI 49237 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JIM M BULLOCK3 | 3715 POWDERHORN DRIVE OKEMOS, MI 48864 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| JAMES C SNIDER JR3 Filed as: JAMES C SNIDER | 830 JUANITA RAEL WINTER PARK, FL 32789 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| HEATHER A DOLLIVER3 | 212 W SILVER LK ROAD FENTON, MI 48430 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | — | VISION SERVICE PLAN | $846 | — | $846 | 6.67% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 220 | $998K |
| Dental | DELTA DENTAL OF MICHIGAN | 219 | $66K |
| Vision | VISION SERVICE PLAN | 102 | $13K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $45K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 143 | $45K |
| Prescription drug | PRIORITY HEALTH | 220 | $998K |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
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.