| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JAMES R ALTON3 Filed as: JAMES ALTON | ACRISURE LLC 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $17K | $341 | $17K | 10.40% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE | $3K | — | $3K | 10.21% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | $300 | $1K | $2K | 11.59% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $389 | — | $389 | 10.01% |
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 | 278 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 488 | $163K |
| Vision | EYEMED VISION CARE | 357 | $27K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $72K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $71K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 385 | $44K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 385 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 488 | — |
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.