| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK VANDENBRANDEN3 Filed as: MARK VANDERNBRANDEN | 24705 MOUND RD WARREN, MI 48091 | PRIORITY HEALTH | $28K | — | $28K | 4.00% |
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 5.48% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INS. AGENCY | 28341 HOOVER ROAD WARREN, MI 48093 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 19.47% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $9K | 6.73% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.02% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A RELIANCE INS GRO | 2163 UNIVERSITY PARK DR STE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.05% |
| MARK VANDENBRANDEN3 Filed as: MARK VANDEN BRANDEN | ADVANCED INSURANCE AGY 28341 HOOVER WARREN, MI 48093 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.08% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $10K | — | $10K | 20.00% |
| THE LOOMIS COMPANY5 | 850 N. PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 12.00% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INSURANCE | AGENCY 28341 HOOVER RD WARREN, MI 48093 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 23.18% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $84 | $84 | 0.97% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A RELIANCE INS GRO | 2163 UNIVERSITY PARK DR STE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INSURANCE | AGENCY 28341 HOOVER RD WARREN, MI 48093 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 22.57% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56 | $56 | 0.96% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A RELIANCE INS GRO | 2163 UNIVERSITY PARK DR STE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3 | $3 | 0.05% |
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 | 204 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 204 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | PRIORITY HEALTH | 132 | $969K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $140K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $140K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $140K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $140K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 29 | $145K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 204 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 204 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.