| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R ALTON3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | $171K | — | $171K | 1.72% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | — | $13K | $13K | 0.13% |
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $29K | $1K | $30K | 5.24% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 6.00% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | — | $14K | 14.99% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | — | $13K | 14.98% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 12.68% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.82% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 15.00% |
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 | 2,171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 1,662 | $10.0M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,110 | $576K |
| Vision | VISION SERVICE PLAN | 1,048 | $91K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,022 | $287K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 843 | $83K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 1,662 | $10.0M |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 452 | $310K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,110 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.