| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MCKINLEY3 | 1543 BROOKWOOD DR. MUSKEGON, MI 49441 | PRIORITY HEALTH | $50K | — | $50K | 3.00% |
| MCKINLEY, JAMES N3 | 1543 BROOKWOOD DR. MUSKEGON, MI 49441 | PRIORITY HEALTH INSURANCE COMPANY | $17K | — | $17K | 3.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA HNI RISK SER | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 6.57% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SEV | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | STARMOUNT LIFE INSURANCE COMPANY | $9K | $1K | $10K | 6.15% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA HNI RISK SER | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 5.67% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA HNI RISK SER | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $1K | $7K | 11.95% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SER | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM INSURANCE COMPANY | $4K | $196 | $4K | 9.99% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $2K | — | $2K | 4.76% |
| VOLUNTARY SOLUTIONS INC3 Filed as: VOLUNTARY SOLUTIONS, INC | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $3K | — | $3K | 11.35% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SER | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM INSURANCE COMPANY | $2K | $171 | $3K | 9.44% |
| VOLUNTARY SOLUTIONS INC3 | 9903 E 150TH AVE BRIGHTON, CO 80602 | UNUM INSURANCE COMPANY | $4K | — | $4K | 14.08% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SER | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | UNUM INSURANCE COMPANY | $3K | $202 | $3K | 10.39% |
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 | 687 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 689 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | PRIORITY HEALTH | 278 | $2.2M |
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 199 | $163K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 199 | $163K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 388 | $150K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $235K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 173 | $235K |
| Prescription drug | PRIORITY HEALTH | 278 | $1.7M |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 388 | $246K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.