| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 500 N WATER ST STE 900 CORPUS CHRISTI, TX 78401 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 2.15% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC DBA KEYS | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $895 | $289 | $1K | 1.11% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T FISHER LLC/DBA KEYSER | INSURANCE 444 W. MICHIGAN AVE. KALAMAZOO, MI 49007 | EYEMED | $2K | — | $2K | 5.06% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA KEYSER INSURANCE | 444 W. MICHIGAN AVENUE KALAMAZOO, MI 49007 | EYEMED | $2K | — | $2K | 4.90% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | CONTINENTAL AMERICAN INSURANCE COMPANY | $9K | — | $9K | 25.41% |
| ASHLEY M. MESSENGER3 Filed as: ASHLEY M MESSENGER | 4200 WEST MICHIGAN AVE SUITE 102 KALAMAZOO, MI 49006 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5K | — | $5K | 15.55% |
| MARY M CAMPBELL3 | 9480 W Y AVENUE SCHOOLCRAFT, MI 49087 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 7.63% |
| SARAH E MEANY3 | 2710 HAMPSHIRE BLVD. S.E. GRAND RAPIDS, MI 49506 | CONTINENTAL AMERICAN INSURANCE COMPANY | $726 | — | $726 | 2.15% |
| DEAN F SHIPMAN3 | 13600 OWEN RD BROOKLYN, MI 49230 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| MONICA M MILLER3 | 2922 FULLER AVE NE GRAND RAPIDS, MI 49505 | CONTINENTAL AMERICAN INSURANCE COMPANY | $10 | — | $10 | 0.03% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 13.27% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $898 | — | $898 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $577 | — | $577 | 10.99% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $575 | — | $575 | 11.00% |
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 | 201 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 490 | $106K |
| Vision | EYEMED | 469 | $37K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 78 | $5K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 80 | $23K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 76 | $34K |
| Other(4 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 105 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 490 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.