| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CASSIE GOODBAND3 | PO BOX 50631 KALAMAZOO, MI 49007 | PRIORITY HEALTH | $25K | — | $25K | 4.13% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC - CASSIE GOODBAND | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $2K | — | $2K | 3.60% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC - CASSIE GOODBAND | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $762 | — | $762 | 1.41% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 16.71% |
| ACRISURE LLC5 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $383 | $383 | 1.92% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 21.95% |
| ACRISURE LLC5 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $368 | $368 | 2.52% |
| ACRISURE LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $973 | $2K | 16.95% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $914 | $737 | $2K | 15.32% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $687 | $2K | 21.41% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INS GROUP | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $818 | $574 | $1K | 17.01% |
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 | 113 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 189 | $599K |
| Dental | DELTA DENTAL OF MICHIGAN | 182 | $54K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 89 | $11K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $19K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 61 | $20K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $14K |
| Other(3 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 131 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.