| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $34K | — | $34K | 8.46% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | KEYSER INSURANCE GROUP 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 2.95% |
| ACRISURE LLC3 Filed as: ACRISURE LLC (CASSIE GOODBAND) | 500 N WATER ST STE 900 CORPUS CHRISTI, TX 78401 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 3.00% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | DBA KEYSER INS GROUP/PATRICIA CLINE 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | DELTA DENTAL OF MICHIGAN | $6K | $881 | $7K | 2.25% |
| CHRISTOPHER T FISHER LLC3 Filed as: CHRISTOPHER T. FISHER, LLC | 444 W. MICHIGAN AVE KALAMAZOO, MI 49007 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.01% |
| PLAN CHOICE3 Filed as: PLAN CHOICE, INC. | 13257 O'BANNON STATION WAY LOUISVILLE, KY 40223 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
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 | 754 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 774 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,316 | $317K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,027 | $70K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $404K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $404K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $404K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 734 | $404K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,316 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.