| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 223 W GRAND RIVER AVE #1 HOWELL, MI 48843 | SUN LIFE ASSURANCE COMPANY OF CANADA | $103K | — | $103K | 12.73% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $40K | $40K | 4.95% |
| ACRISURE LLC3 | 1460 US HIGHWAY 9 N SUITE 307 WOODBRIDGE, NJ 07095 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $9K | $9K | 1.07% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $14K | $1K | $16K | 2.85% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $10K | — | $10K | 1.80% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA KEYSER INSURANCE | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | EYEMED VISION CARE | $5K | — | $5K | 51.05% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INS | 223 WEST GRAND RIVER AVENUE #1 HOWELL, MI 48843 | EYEMED VISION CARE | $5K | — | $5K | 48.95% |
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 | 969 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 981 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 1,815 | $548K |
| Vision | EYEMED VISION CARE | 1,513 | $10K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $808K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $808K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $808K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 881 | $808K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,815 | — |
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.