| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 4808 BROADMOOR AVE SE KENTWOOD, MI 49512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 9.22% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 4808 BROADMOOR AVE SE KENTWOOD, MI 49512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.16% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 4808 BROADMOOR AVE SE KENTWOOD, MI 49512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.22% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 4808 BROADMOOR AVE SE KENTWOOD, MI 49512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $363 | $3K | 17.31% |
| ACRISURE LLC3 | DBA THE CAMPBELL GRUP 4808 BROADMOOR AVE SE KENTWOOD, MI 49512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $304 | $3K | 16.94% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 4808 BROADMOOR AVE SE KENTWOOD, MI 49512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $180 | $1K | 17.04% |
| ACRISURE LLC3 | DBA THE CAMPBELL GROUP 4808 BROADMOOR AVE SE KENTWOOD, MI 49512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $501 | — | $501 | 9.20% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $287 | $96 | $383 | 20.04% |
| JAMES R ALTON3 Filed as: JAMES ALTON | ACRISURE LLC 500 N WATER ST, STE 900 CORPUS CHRISTI, TX 77401 | DELTA DENTAL OF MICHIGAN | — | — | $0 | — |
| JAMES R ALTON3 Filed as: JAMES ALTON | ACRISURE LLC 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | — | — | $0 | — |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | EYEMED VISION CARE | — | — | $0 | — |
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 | 291 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 294 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 0 | $0 |
| Vision | EYEMED VISION CARE | 0 | $0 |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $85K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 123 | $35K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 401 | $45K |
| Other(5 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 401 | $49K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 401 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.