| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INSURANCE | 28341 HOOVER RD WARREN, MI 48093 | TOTAL HEALTH CARE USA, INC. | $22K | — | $22K | 4.64% |
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 3.96% |
| MANAGING AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $2K | — | $2K | 0.84% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INS. AGENCY | 28341 HOOVER ROAD WARREN, MI 48093 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | — | $21K | 19.31% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $1K | $7K | 6.55% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4K | $4K | 3.37% |
| MARK VANDENBRANDEN3 Filed as: MARK VANDEN BRANDEN | ADVANCED INSURANCE AGY 28341 HOOVER WARREN, MI 48093 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.20% |
| MARK VANDENBRANDEN3 Filed as: MARK VANDEN BRADEN | 28341 HOOVER ROAD WARREN, MI 48093 | AMFIRST | $5K | — | $5K | 10.00% |
| JOHN KELLY3 | CHELTEN BENEFITS GROUP AGENCY, INC. 4768 PARVIEW DRIVE CLARKSTON, MI 48346 | AMFIRST | $4K | — | $4K | 8.23% |
| MWL3 | PO BOX 14067 JACKSON, MS 39236 | AMFIRST | $3K | — | $3K | 5.00% |
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 | 164 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | TOTAL HEALTH CARE USA, INC. | 118 | $806K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $109K |
| Vision(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 164 | $590K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $109K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $109K |
| Prescription drug(2 contracts, 2 carriers) | TOTAL HEALTH CARE USA, INC. | 118 | $681K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 164 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 164 | — |
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.