| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 5.18% |
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | PRIORITY HEALTH | $24K | — | $24K | 100.00% |
| ACRISURE LLC3 | 2176 E CENTRE AVE PORTAGE, MI 49002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $155 | $2K | 11.07% |
| KIMBERLY JILL ZBIKOWSKI3 Filed as: KIMBERLY J ZBIKOWSKI | 1786 DEEPWOOD DRIVE SW WYOMING, MI 49519 | CONTINENTAL AMERICAN INSURANCE COMPANY | $348 | — | $348 | 2.65% |
| ERIC J CONDRON3 | 10880 SANDY OAK TRAIL CEDAR SPRINGS, MI 49319 | CONTINENTAL AMERICAN INSURANCE COMPANY | $304 | — | $304 | 2.32% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $184 | — | $184 | 1.40% |
| MIKE S GAYNOR3 | 8672 SHORE WAY DR SW BYRON CENTER, MI 49315 | CONTINENTAL AMERICAN INSURANCE COMPANY | $74 | — | $74 | 0.56% |
| K HARRIS & ASSOCIATES, LLC3 | 950 W NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $72 | — | $72 | 0.55% |
| SANTIAGO & ASSOCIATES LLC3 | 950 W NORTON AVE SUITE 201 MUSKEGON, MI 49441 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | — | $25 | 0.19% |
| BRUCE A VAN RYN3 | 3053 RIVERVALE DRIVE SW GRANDVILLE, MI 49418 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23 | — | $23 | 0.18% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $733 | — | $733 | 7.59% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $813 | $145 | $958 | 17.68% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $86 | $20 | $106 | 12.38% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 156 | $24K |
| Dental | DELTA DENTAL OF MICHIGAN | 166 | $50K |
| Vision | VISION SERVICE PLAN | 82 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 20 | $6K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $13K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 79 | $14K |
| Prescription drug | PRIORITY HEALTH | 156 | $24K |
| Other(3 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 157 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.