| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | PRIORITY HEALTH | $57K | — | $57K | 2.79% |
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $3K | $134 | $3K | 5.36% |
| ACRISURE LLC3 | DETROIT OFFICE 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 15.00% |
| ACRISURE LLC3 | 1229 SWIFT AVE N KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 4.51% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DRIVE SW WYOMING, MI 49519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $747 | — | $747 | 3.71% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $419 | — | $419 | 2.08% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $375 | — | $375 | 1.86% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 W NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $169 | — | $169 | 0.84% |
| MIKE S GAYNOR3 | 8672 SHOREWAY DR. SE BYRON CENTER, MI 49315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $123 | — | $123 | 0.61% |
| SANTIAGO & ASSOCIATES LLC3 | 950 W NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.36% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31 | — | $31 | 0.15% |
| ACRISURE LLC3 | 2176 E CENTRE AVE PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 10.94% |
| ACRISURE LLC3 | 2176 E CENTRE AVE PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 | 6737 BLUE HUMMINGBIRD WAY NE BELDING, MI 48809 | AFLAC | $390 | — | $390 | 3.08% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DR SW WYOMING, MI 49519 | AFLAC | $168 | $154 | $322 | 2.54% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | AFLAC | $144 | — | $144 | 1.14% |
| LEANN P DAVIDSON3 | 871 E MCKINLEY RD ROTHBURY, MI 49452 | AFLAC | $64 | — | $64 | 0.51% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 950 W NORTON AVE STE 201 MUSKEGON, MI 49441 | AFLAC | $27 | $31 | $58 | 0.46% |
| SANTIAGO & ASSOCIATES LLC3 | 950 W NORTON AVE STE 201 MUSKEGON, MI 49441 | AFLAC | $15 | $31 | $46 | 0.36% |
| WESLEY JAMES THRASHER3 | 3729 MESA CT NE ROCKFORD, MI 49341 | AFLAC | $44 | — | $44 | 0.35% |
| BETH LUANNE KIMBROUGH3 | 6750 N ANDREWS AVE STE 200 FT LAUDERDALE, FL 33309 | AFLAC | $36 | — | $36 | 0.28% |
| K HARRIS & ASSOCIATES, LLC3 Filed as: K HARRIS & ASSOCIATES LLC | 5480 PINE BLUFF LN MUSKEGON, MI 49441 | AFLAC | $27 | — | $27 | 0.21% |
| WILLIAM DAVID BARHAM3 | 450 MORRIS AVE STE 201 MUSKEGON, MI 49440 | AFLAC | $25 | — | $25 | 0.20% |
| JAMES C SNIDER JR3 | 457 MANOR RD MAITLAND, FL 32751 | AFLAC | $23 | — | $23 | 0.18% |
| SPAZ AND GLAUB ENTERPRISES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $22 | — | $22 | 0.17% |
| SANTIAGO & ASSOCIATES LLC3 | 5480 PINE BLUFF LN MUSKEGON, MI 49441 | AFLAC | $14 | — | $14 | 0.11% |
| RANDALL L KIMBLER3 | PO BOX 302 HESPERIA, MI 49421 | AFLAC | $13 | — | $13 | 0.10% |
| DONALD J THOMPSON3 | 802 BRADFORD DR BELDING, MI 48809 | AFLAC | $13 | — | $13 | 0.10% |
| R WADE INSURANCE AGENCY3 Filed as: R WADE INS AGENCY INC | 1027 ABERDEEN ST NE GRAND RAPIDS, MI 49505 | AFLAC | $12 | — | $12 | 0.09% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | AFLAC | $10 | — | $10 | 0.08% |
| LARRY E KESSELRING3 | 5879 FORESTAL DR WATERFORD, MI 48327 | AFLAC | $10 | — | $10 | 0.08% |
| MIKE S GAYNOR3 Filed as: MIKE GAYNOR | 8672 SHORE WAY DR SW BYRON CENTER, MI 49315 | AFLAC | $9 | — | $9 | 0.07% |
| AG AND ASSOCIATES3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $8 | — | $8 | 0.06% |
| ANDREW K GLAUB3 | PO BOX 339 BELLAIRE, MI 49615 | AFLAC | $6 | — | $6 | 0.05% |
| EOWALTER3 LLC3 | 42906 SENATE PL NOVI, MI 48375 | AFLAC | $5 | — | $5 | 0.04% |
| HEIDI E GLAUB3 | 4404 SAINT ANDREW ST HOWELL, MI 48843 | AFLAC | $3 | — | $3 | 0.02% |
| THOMAS W RINGWALD3 | 37231 N 110TH ST SCOTTSDALE, AZ 85262 | AFLAC | $3 | — | $3 | 0.02% |
| JAMES BULLOCK3 | 3715 POWDERHORN DR OKEMOS, MI 48864 | AFLAC | $2 | — | $2 | 0.02% |
| MICHELLE R CALVIN3 | PO BOX 99 JONESVILLE, MI 49250 | AFLAC | $2 | — | $2 | 0.02% |
| ERIN GERKE3 | 834 LAKEVIEW DR LAKE ODESSA, MI 48849 | AFLAC | $1 | — | $1 | 0.01% |
| HEATHER A DOLLIVER3 | 2150 ASSOCIATION DR OKEMOS, MI 48864 | AFLAC | $1 | — | $1 | 0.01% |
| JEFFREY C WERNER3 | 6370 PINE HOLLOW DR EAST LANSING, MI 48823 | AFLAC | $1 | — | $1 | 0.01% |
| JULIE SLAUGHTER3 | 31211 GRANDON ST LIVONIA, MI 48150 | AFLAC | $1 | — | $1 | 0.01% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | VISION SERVICE PLAN | $788 | — | $788 | 6.59% |
| ACRISURE LLC3 | DETROIT OFFICE 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $362 | — | $362 | 10.00% |
| ACRISURE LLC3 | 1229 SWIFT AVE N KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $161 | $161 | 4.45% |
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 | 127 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 382 | $2.1M |
| Dental | DELTA DENTAL OF MICHIGAN | 192 | $62K |
| Vision | VISION SERVICE PLAN | 88 | $12K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 124 | $30K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 80 | $15K |
| Prescription drug | PRIORITY HEALTH | 382 | $2.1M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 157 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 382 | — |
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.