| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $27K | $3K | $29K | 9.06% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI | 140 MONROE CENTER STREET SUITE 200 GRAND RAPIDS, MI 49503 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 4.78% |
| ACRISURE LLC3 | 2340 DETROIT AVENUE, 3RD FLOOR MUAMEE, OH 43537 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 0.75% |
| UNKNOWN3 | UNKNOWN WIXOM, MI 48668 | TELADOC HEALTH | $3K | $0 | $3K | 3.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | VISION SERVICE PLAN | $592 | $0 | $592 | 1.78% |
| HNI RISK SERVICES3 | 140 MONROE CENTER STREET SUITE 200 GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $552 | $0 | $552 | 1.66% |
| EMPLOYEE NAVIGATOR, LLC3 Filed as: EMPLOYEE NAVIGATOR LLC | 7979 OLD GEORGTOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $99 | $0 | $99 | 0.30% |
| ACRISURE LLC3 | 2340 DETROIT AVENUE, 3RD FLOOR MAUMEE, OH 43537 | VISION SERVICE PLAN | $20 | $0 | $20 | 0.06% |
| KAMINSKY & ASSOCIATES, INC.3 Filed as: KAMINSKY & ASSOCIATES | 2340 DETROIT AVENUE, 3RD FLOOR MAUMEE, OH 43537 | VISION SERVICE PLAN | -$86 | $0 | -$86 | -0.26% |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 571 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 349 | $33K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $324K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $324K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 454 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 454 | — |
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.