| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R ALTON3 | THE CAMPBELL GROUP PO BOX 1788 GRAND RAPIDS, MI 49501 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $35K | — | $35K | 0.44% |
| JON SNEAD3 Filed as: JON D SNEAD | AON CONSULTING INC. WMI 50 LOUIS ST NW STE 200 GRAND RAPIDS, MI 49503 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $20K | — | $20K | 0.26% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 50 LOUIS ST NW GRAND RAPIDS, MI 49503 | AMERITAS LIFE INSURANCE CORP. | $3K | — | $3K | 0.66% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | AMERITAS LIFE INSURANCE CORP. | $796 | — | $796 | 0.19% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, STE. 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $7K | $2K | $9K | 3.86% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $5K | — | $5K | 2.35% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, STE. 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $1K | $1K | 0.62% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, STE. 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | $1K | $3K | 3.26% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 1.88% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 75 REMITTANCE DRIVE, STE. 1446 CHICAGO, IL 60675 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | — | $277 | $277 | 0.27% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL, INC. | 29840 NETWORK PLACE CHICAGO, IL 60673 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 7.57% |
| ACRISURE LLC3 Filed as: ACRISURE | PO BOX 1788 GRAND RAPIDS, MI 49501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 3.34% |
| THE NULTY AGENCY INC.3 Filed as: NULTY INSURANCE | 5579 STADIUM DRIVE KALAMAZOO, MI 49009 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $14 | — | $14 | 0.03% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC | 50 LOUIS ST NW GRAND RAPIDS, MI 49503 | AMERITAS LIFE INSURANCE CORP. | $98 | — | $98 | 0.70% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | AMERITAS LIFE INSURANCE CORP. | $25 | — | $25 | 0.18% |
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 | 804 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 90 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 901 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,555 | $7.9M |
| Dental(2 contracts) | AMERITAS LIFE INSURANCE CORP. | 1,236 | $440K |
| Vision(3 contracts, 2 carriers) | AMERITAS LIFE INSURANCE CORP. | 1,236 | $492K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 640 | $229K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 640 | $101K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 1,555 | $7.9M |
| Other | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 640 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,555 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.