| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 2.77% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC/DBA KEYSER | INSURANCE 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | EYEMED | $4K | — | $4K | 11.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL-GRAND RAPIDS | C/O BANK OF AMERICA CHICAGO, IL 60693 | EYEMED | $1K | — | $1K | 3.26% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 14.96% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9 | $3 | $12 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $576 | — | $576 | 10.95% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | $1 | $4 | 0.08% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $567 | — | $567 | 10.94% |
| HUB INTERNATIONAL MIDWEST LIMITED3 | 625 KENMOOR AVE SE SUITE 200 GRAND RAPIDS, MI 49546 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3 | $1 | $4 | 0.08% |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 480 | $105K |
| Vision | EYEMED | 457 | $35K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $5K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $5K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 72 | $23K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 71 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 480 | — |
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.