| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | BEAZLEY INSURANCE COMPANY INC. | $138K | $0 | $138K | 13.00% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET PHILADELPHIA, PA 19106 | BEAZLEY INSURANCE COMPANY INC. | $53K | $0 | $53K | 5.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $11K | $22K | 2.42% |
| ACRISURE LLC3 | 2163 UNIVERSITY PARK DRIVE SUITE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $450 | $450 | 0.05% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SE, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $115K | $17K | $133K | 15.46% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS RESEARCH | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 0.71% |
| ACRISURE LLC3 | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.38% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $4K | $434 | $4K | 11.81% |
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 | 2,353 | 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) | 2,353 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,059 | $928K |
| Vision | VISION SERVICE PLAN | 1,077 | $122K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 731 | $858K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 731 | $858K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 731 | $858K |
| Other(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC. | 1,922 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,059 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.