| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASR CORPORATION3 | — | ARDELLIS | $46K | — | $46K | 13.15% |
| ASR HEALTH BENEFITS3 | — | ARDELLIS | — | — | $0 | 0.00% |
| GENERAL AGENCY COMPANY3 | 525 E BROADWAY ST MT. PLEASANT, MI 48858 | DELTA DENTAL OF MICHIGAN | $0 | — | $0 | 0.00% |
| GENERAL AGENCY COMPANY | 525 E BROADWAY ST MT. PLEASANT, MI 48858 | VSP VISION SERVICE PLAN | $4K | — | $4K | 9.29% |
| GENERAL AGENCY COMPANY | 525 EAST BROADWAY MT. PLEASANT, MI 48858 | COMPANION LIFE | $2K | — | $2K | 11.87% |
| BENEFITS PROFILES INC | 500 CASCASE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $763 | — | $763 | 5.34% |
| AGENT ALLIANCE CORPORATION | 500 CASCADE WEST PKWY SE SUITE 160 GRAND RAPIDS, MI 49546 | COMPANION LIFE | $85 | — | $85 | 0.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ASR HEALTH BENEFITS EIN 38-2651185 SERVICE PROVIDER | Contract Administrator Service code 13 | 618 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | $68K |
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 | 224 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 583 | $146K |
| Vision | VSP VISION SERVICE PLAN | 22 | $41K |
| Life insurance | COMPANION LIFE | 245 | $14K |
| Other | COMPANION LIFE | 245 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.