| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MCKINLEY3 | 140 MONROE CENTER STREET NW SUITE 200 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $52K | $0 | $52K | 1.95% |
| ACRISURE LLC3 Filed as: ACRISURE | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $0 | $18K | $18K | 0.68% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $7K | $6K | $13K | 5.85% |
| ACRISURE LLC3 | 84 EXCHANGE STREET BINGHAMTON, NY 13901 | STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 0.80% |
| ACRISURE LLC3 | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $3K | $12K | 7.05% |
| VOLUNTARY SOLUTIONS INC3 | 9903 EAST 150TH AVENUE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $45K | $0 | $45K | 32.99% |
| ACRISURE LLC3 | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | UNUM INSURANCE COMPANY | $11K | $1K | $12K | 8.96% |
| UNKNOWN3 | UNKNOWN WIXOM, MI 48668 | TELADOC HEALTH | $1K | $0 | $1K | 15.00% |
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 | 1,116 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 709 | $2.7M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 432 | $173K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 432 | $173K |
| Life insurance | STANDARD INSURANCE COMPANY | 673 | $214K |
| Long-term disability | STANDARD INSURANCE COMPANY | 673 | $214K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 709 | $2.7M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 844 | $360K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 844 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.