| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRACE AND PORTA BENEFITS INC3 Filed as: GRACE PORTA BENEFITS | 7219 GRAND RIVER RD BRIGHTON, MI 481149300 | BLUE CROSS BLUE SHIELD OF MICHIGAN | $7K | — | $7K | 0.59% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 14.36% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $400 | — | $400 | 1.64% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 9.03% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $123 | — | $123 | 0.97% |
| MEADOWBROOK INC3 Filed as: MEADOWBROOK, INC. | 26255 AMERICAN DRIVE SOUTHFIELD, MI 48034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $550 | — | $550 | 9.02% |
| ACRISURE LLC3 Filed as: ACRISURE DBA KEYSER INSURANCE GROUP | 444 W MICHIGAN AVENUE KALAMAZOO, MI 49007 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $59 | — | $59 | 0.97% |
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 | 114 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MICHIGAN | 283 | $1.2M |
| Dental | BLUE CROSS BLUE SHIELD OF MICHIGAN | 283 | $1.2M |
| Vision | BLUE CROSS BLUE SHIELD OF MICHIGAN | 283 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $24K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $12K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF MICHIGAN | 283 | $1.2M |
| Other(3 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 139 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.