| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE ROBBINS GROUP | 330 SUPERIOR MALL PORT HURON, MI 48060 | COMPANION LIFE INSURANCE COMPANY | $48K | $25K | $72K | 7.57% |
| THE ROBBINS GROUP3 Filed as: ROBBINS & MARCOZZI INC | PO BOX 610609 PORT HURON, MI 480610609 | BLUE CARE NETWORK OF MICHIGAN | $20K | — | $20K | 4.92% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE CAMPBELL GROUP | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | $5K | — | $5K | 1.13% |
| PM GROUP BENEFIT ADVISORS II, LLC0 Filed as: PM GROUP BENEFIT ADVISORS II LLC | PO BOX 307 SOUTHFIELD, MI 480370307 | VISION SERVICE PLAN | $695 | — | $695 | 3.07% |
| THE ROBBINS GROUP3 Filed as: ROBBINS & MARCOZZI INC | PO BOX 610609 PORT HURON, MI 480610609 | VISION SERVICE PLAN | $490 | — | $490 | 2.16% |
| THE ROBBINS GROUP3 Filed as: ROBBINS & MARCOZZI INC. | 330 SUPERIOR MALL PO BOX 610609 PORT HURON, MI 480610609 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 7.57% |
| PM GROUP BENEFIT ADVISORS II, LLC0 Filed as: PM GROUP BENEFIT ADVISORS II LLC | 2601 CAMBRIDGE CT STE 500 AUBURN HILLS, MI 48326 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $701 | — | $701 | 4.58% |
| ACRISURE LLC3 Filed as: ACRISURE DBA THE CAMPBELL GROUP | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 0.51% |
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 | 329 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 384 | $1.4M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 177 | $113K |
| Vision | VISION SERVICE PLAN | 193 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $15K |
| Prescription drug(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 384 | $1.4M |
| Stop-loss / reinsurancereinsurance | COMPANION LIFE INSURANCE COMPANY | 384 | $957K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 320 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.