| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $51K | $51K | 4.62% |
| BENEFITS INC3 Filed as: BENEFITS GROUP, INC. | 2550 S ROCHESTER ROAD ROCHESTER, MI 483073817 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $54 | $54 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BENEFITS GROUP | 2550 S ROCHESTER ROAD ROCHESTER HILLS, MI 483073817 | PRINCIPAL LIFE INSURANCE COMPANY | $63K | $43K | $105K | 16.77% |
| ACRISURE LLC3 | 5664 PRARIE CREEK DRIVE SE CALADONIA, MI 493168081 | PRINCIPAL LIFE INSURANCE COMPANY | — | $17K | $17K | 2.71% |
| FRINGE INSURANCE BENEFITS, INC.3 | 11910 ANDERSON MILL ROAD AUSTIN, TX 78726 | NATIONWIDE LIFE INSURANCE COMPANY | $4K | $6K | $10K | 15.58% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE BENEFITS GROUP | 2550 S. ROCHESTER ROAD ROCHESTER HILLS, MI 48307 | NATIONWIDE LIFE INSURANCE COMPANY | $5K | $960 | $6K | 8.71% |
| KAPNICK & COMPANY, INC.3 | 333 INDUSTRIAL AVENUE ADRIAN, MI 492217801 | NATIONWIDE LIFE INSURANCE COMPANY | $921 | $192 | $1K | 1.71% |
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 | 1,048 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $1.2M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 818 | $628K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 818 | $628K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 818 | $628K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 818 | $628K |
| Prescription drug | NATIONWIDE LIFE INSURANCE COMPANY | 67 | $65K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 67 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 818 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.