| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 444 W MICHIGAN AVE KALAMAZOO, MI 49007 | SUN LIFE ASSURANCE COMPANY OF CANADA | $72K | — | $72K | 9.02% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $40K | $40K | 4.95% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 223 W GRAND RIVER AVE #1 HOWELL, MI 48843 | SUN LIFE ASSURANCE COMPANY OF CANADA | $32K | — | $32K | 4.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $267 | $267 | 0.03% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD SUITE 300 KIRKWOOD, MO 63122 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9 | $9 | 0.00% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $18K | — | $18K | 3.37% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $9K | — | $9K | 1.64% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INSURANCE | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | EYEMED VISION CARE | $10K | — | $10K | 10.02% |
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 | 981 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 997 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,849 | $539K |
| Vision | EYEMED VISION CARE | 1,516 | $104K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 918 | $800K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 918 | $800K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 918 | $800K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 918 | $800K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,849 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.