| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R ALTON3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | $149K | — | $149K | 1.56% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CARE NETWORK OF MICHIGAN | — | $14K | $14K | 0.14% |
| ACRISURE LLC3 | JAMES ALTON 13900 S WEST BAY SHORE DR TRAVERSE CITY, MI 49684 | DELTA DENTAL OF MICHIGAN | $34K | $2K | $36K | 4.83% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $16K | $9K | $25K | 9.13% |
| ACRISURE LLC3 | 700 KENMOOR AVE SE SUITE 300 GRAND RAPIDS, MI 49546 | VISION SERVICE PLAN | $6K | — | $6K | 5.00% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 10.33% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $248 | $10K | 15.39% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $31K | $40K | 64.68% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $146 | $9K | 15.26% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 63097 84TH ST SE CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $2K | $8K | 18.34% |
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 | 2,324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CARE NETWORK OF MICHIGAN | 1,656 | $9.6M |
| Dental | DELTA DENTAL OF MICHIGAN | 2,082 | $746K |
| Vision | VISION SERVICE PLAN | 1,056 | $128K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,919 | $272K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 481 | $68K |
| Prescription drug | BLUE CARE NETWORK OF MICHIGAN | 1,656 | $9.6M |
| Other(6 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,461 | $525K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,461 | — |
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.