| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | PRIORITY HEALTH | $40K | — | $40K | 2.00% |
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 4.53% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $6K | — | $6K | 12.86% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.44% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 10.64% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | — | $2K | 6.55% |
| K HARRIS & ASSOCIATES, LLC3 | 950 W. NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $781 | — | $781 | 2.32% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $694 | — | $694 | 2.06% |
| SANTIAGO & ASSOCIATES LLC3 | 950 W NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $411 | — | $411 | 1.22% |
| MIKE S GAYNOR3 | 625 KENMOOR AVE SE STE 200 GRAND RAPIDS, MI 49546 | CONTINENTAL AMERICAN INSURANCE COMPANY | $222 | — | $222 | 0.66% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $62 | — | $62 | 0.18% |
| TAMARA J YOUNGS3 | 12045 JENKS ST NE BELDING, MI 48809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3 | — | $3 | 0.01% |
| JEREMY D SAMPSEL3 | 3030 9TH ST, 2K KALAMAZOO, MI 49009 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | VISION SERVICE PLAN | $835 | — | $835 | 6.74% |
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 | 134 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 396 | $2.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 208 | $66K |
| Vision | VISION SERVICE PLAN | 95 | $12K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $47K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $34K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 135 | $47K |
| Prescription drug | PRIORITY HEALTH | 396 | $2.0M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 396 | — |
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.