| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MCKINLEY3 Filed as: JAMES N. MCKINLEY | 1543 BROOKWOOD DRIVE MUSKEGON, MI 49441 | PRIORITY HEALTH | $8K | $0 | $8K | 1.01% |
| DEBRA VANSWEDEN3 Filed as: DEBRA WRIGHT | 50 LOUIS STREET NW, SUITE 510 GRAND RAPIDS, MI 49503 | PRIORITY HEALTH | $8K | $0 | $8K | 0.99% |
| ACRISURE LLC3 | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.53% |
| BENEFIT PROFILES INC3 | 500 CASCADE WEST PARKWAY SE SUITE 160 GRAND RAPIDS, MI 49546 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.72% |
| ACRISURE LLC3 | 2163 UNIVERSITY PARK DRIVE SUITE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $32 | $32 | 0.04% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI | PO BOX 510187 NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $0 | -$2K | -3.38% |
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 | 140 | 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) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 186 | $840K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $72K |
| Prescription drug | PRIORITY HEALTH | 186 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 238 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.