| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $7K | — | $7K | 15.00% |
| ACRISURE LLC3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 6.39% |
| ACRISURE LLC3 | 220 SOUTH WALNUT STREET MUNCIE, IN 47305 | GUARDIAN | $2K | — | $2K | 4.51% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | GUARDIAN | $214 | — | $214 | 0.56% |
| MATTAR FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | GUARDIAN | $37 | — | $37 | 0.10% |
| ACRISURE LLC3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.08% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 20.61% |
| MATTER FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 13.74% |
| MATTER FINANCIAL CORP3 | 5750 NEW KING DRIVE SUITE 310 TROY, MI 48098 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 26.97% |
| THE ROBBINS GROUP3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 8.18% |
| ACRISURE LLC3 | 330 SUPERIOR MALL PORT HURON, MI 48061 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 12.28% |
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 | 252 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 219 | $38K |
| Vision | GUARDIAN | 219 | $38K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $54K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $24K |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 432 | $340K |
| Other(4 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 248 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 432 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.