| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEATHER A MOSHER3 | 300 S FRONT STREET MARQUETTE, MI 49855 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | — | $35K | 3.07% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | — | $3K | $3K | 0.23% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | GUARDIAN | — | $1K | $1K | 3.11% |
| THE DITTMAR AGENCY3 | — | GUARDIAN | — | $667 | $667 | 1.42% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICA INSURANCE COMPANY | $6K | — | $6K | 25.70% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMONS DRIVE BREWSTER, NY 10509 | HARTFORD LIFE AND ACCIDENT | $605 | $302 | $907 | 14.99% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.1M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.1M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 179 | $53K |
| Short-term disability | GUARDIAN | 177 | $47K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 147 | $1.1M |
| Other(3 contracts, 3 carriers) | GUARDIAN | 179 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.