| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES MCKINLEY3 | 140 MONROE CENTER ST NW STE 200 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $40K | — | $40K | 4.93% |
| JAMES MCKINLEY3 | 140 MONROE CENTER ST NW STE 200 GRAND RAPIDS, MI 49503 | BLUE CARE NETWORK OF MICHIGAN | $24K | — | $24K | 5.08% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | JAMES MCKINLEY 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $6K | — | $6K | 4.71% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $2K | $4K | $7K | 5.94% |
| ACRISURE LLC3 | SIGNATURE BB 501 FRANKLIN AVE STE 218 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 2.66% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $1K | $3K | $4K | 5.37% |
| ACRISURE LLC3 | SIGNATURE BB 501 FRANKLIN AVE STE 218 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.47% |
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES OF MI LLC | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $698 | $1K | $2K | 5.53% |
| ACRISURE LLC3 | SIGNATURE BB 501 FRANKLIN AVE STE 218 GARDEN CITY, NY 11530 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 4.86% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $616 | — | $616 | 12.07% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $366 | — | $366 | 11.33% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $259 | — | $259 | 11.72% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $348 | — | $348 | 20.83% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $273 | — | $273 | 16.87% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $222 | — | $222 | 18.47% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $30 | — | $30 | 6.93% |
| JIM MCKINLEY3 | 1534 BROOKWOOD DR NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $10 | — | $10 | 12.66% |
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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 150 | $1.3M |
| Dental | DELTA DENTAL OF MICHIGAN | 278 | $117K |
| Vision(8 contracts) | NATIONAL GUARDIAN LIFE INSURANCE | 48 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 201 | $68K |
| Short-term disability | STANDARD INSURANCE COMPANY | 63 | $38K |
| Long-term disability | STANDARD INSURANCE COMPANY | 200 | $112K |
| Prescription drug(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 150 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.