| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BENEFITS GROUP | 2550 S ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | TOTAL HEALTH CARE USA, INC. | $48K | — | $48K | 2.06% |
| MARK METTILLE3 Filed as: MARK PONDER | 15469 MIDDLEBELT ROAD LIVONIA, MI 48154 | TOTAL HEALTH CARE USA, INC. | $16K | — | $16K | 0.67% |
| MARK S. PONDER3 | 15469 MIDDLEBELT ROAD LIVONIA, MI 48154 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $28K | $30K | 1.62% |
| ACRISURE LLC3 | 2550 S. ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $20K | $20K | 1.08% |
| BENEFITS INC3 Filed as: BENEFITS GROUP, INC. | 2550 S ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $16K | $20K | 1.07% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $6K | $6K | $13K | 14.36% |
| JOHN BRODERSEN3 | 2557 WOODSTOCK DRIVE DETROIT, MI 48203 | NATIONWIDE LIFE INSURANCE COMPANY | $5K | $681 | $5K | 6.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BENEFITS GROUP | 2550 S. ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | NATIONWIDE LIFE INSURANCE COMPANY | $4K | $573 | $5K | 5.13% |
| MARK S. PONDER3 | HEALTH INSURANCE PROVIDERS 15469 MIDDLEBELT LIVONIA, MI 48154 | DENCAP DENTAL PLANS, INC. | $2K | — | $2K | 8.27% |
| ACRISURE LLC3 | 5664 PRARIE CREEK DRIVE CALEDONIA, MI 49316 | DENCAP DENTAL PLANS, INC. | $486 | — | $486 | 2.25% |
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 | 514 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 515 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $1.9M |
| Dental | DENCAP DENTAL PLANS, INC. | 113 | $22K |
| Vision | TOTAL HEALTH CARE USA, INC. | 535 | $2.3M |
| Prescription drug | TOTAL HEALTH CARE USA, INC. | 535 | $2.3M |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 89 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 535 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.