| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK VANDENBRANDEN3 Filed as: MARK VANDERNBRANDEN | 24705 MOUND RD WARREN, MI 48091 | PRIORITY HEALTH | $30K | — | $30K | 4.05% |
| EXTERNAL AGENT3 | — | BLUE CARE NETWORK OF MICHIGAN | $8K | — | $8K | 4.15% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INS. AGENCY | 28341 HOOVER ROAD WARREN, MI 48093 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 18.29% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $9K | 6.32% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGENCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.46% |
| MARK VANDENBRANDEN3 Filed as: MARK VANDEN BRANDEN | ADVANCED INSURANCE AGY 28341 HOOVER WARREN, MI 48093 | BLUE CROSS AND BLUE SHIELD OF MICHIGAN | $3K | — | $3K | 4.83% |
| ADVANCED INSURANCE SERVICES INC3 Filed as: ADVANCED INSURANCE AGENCY | 28341 HOVER ROAD WARREN, MI 48093 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $8K | — | $8K | 20.00% |
| THE LOOMIS COMPANY5 | 850 N. PARK ROAD WYOMISSING, PA 19610 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 12.00% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INSURANCE | AGENCY 28341 HOOVER RD WARREN, MI 48093 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 23.09% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $157 | $157 | 1.59% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ADVANCED INSURANCE | AGENCY 28341 HOOVER RD WARREN, MI 48093 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 21.80% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $93 | $93 | 1.64% |
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 | 163 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | PRIORITY HEALTH | 122 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $148K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $148K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $148K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $148K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 35 | $204K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 163 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.