| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | $0 | $11K | 6.65% |
| OLIVIER VANDYK INSURANCE3 | 2780 44TH STREET SW WYOMING, MI 49519 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.80% |
| JAMES MCKINLEY3 | 1534 BROOKWOOD DRIVE NORTON SHORE, MI 49441 | NATIONAL GUARDIAN LIFE INSURANCE | $1K | $0 | $1K | 11.53% |
| REBEKAH VANBEEK3 | 93960 VERGENNES STREET SE ADA, MI 49301 | NATIONAL GUARDIAN LIFE INSURANCE | $6 | $0 | $6 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 26.69% |
| SARAH E MEANY3 Filed as: SARAH ELIZABETH MEANY | 3746 CHAMBERLAIN AVENUE SE GRAND RAPIDS, MI 49508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $631 | $0 | $631 | 5.14% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BERENDS HENDRICKS INSURANCE AGENCY | 3055 44TH STREET SW GRANDVILLE, MI 49468 | CONTINENTAL AMERICAN INSURANCE COMPANY | $417 | $0 | $417 | 3.40% |
| MONICA MILLER3 | 675 PRESERVE CIRCLE DRIVE SE SUITE 3 GRAND RAPIDS, MI 49548 | CONTINENTAL AMERICAN INSURANCE COMPANY | $119 | $0 | $119 | 0.97% |
| KIMBERLEE DIEL3 | 5841 DOVER LANE TRAVERSE CITY, MI 49685 | CONTINENTAL AMERICAN INSURANCE COMPANY | $108 | $0 | $108 | 0.88% |
| TRICOAST ADVISORS LLC3 Filed as: TRICOAST ADVISORS, LLLC | 50 LOUIS STREET, SUITE 510 GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $94 | $0 | $94 | 0.77% |
| MJ INSURANCE3 Filed as: CHRIS CHARLAND AND VARIOUS AGENTS | 1004 LOCUST STREET TRAVERSE CITY, MI 49684 | CONTINENTAL AMERICAN INSURANCE COMPANY | $34 | $0 | $34 | 0.28% |
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 | 197 | 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) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $173K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE | 112 | $13K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $173K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $173K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 193 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.