| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | BLUE CROSS OF CALIFORNIA | $4.0M | $35K | $4.0M | 13.62% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN INC | $724K | — | $724K | 7.65% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | KAISER FOUNDATION HEALTH PLAN INC | $590K | — | $590K | 7.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE, LLC EIN 22-3891987 NONE | Contract Administrator; Insurance brokerage commissions and fees; Participant communication; Insurance agents and brokers; Direct payment from the plan; Insurance services; Consulting (general) Service code 13 | — | $13.4M |
| EMPLOYEE BENEFIT SPECIALIST EIN 77-0171549 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other services Service code 15 | — | $621K |
| WITHUMSMITH+BROWN, PC EIN 22-2027092 NONE | Accounting (including auditing) Service code 10 | — | $18K |
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 | 36,578 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 79 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 36,657 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 18,295 | $76.1M |
| Dental | BLUE CROSS OF CALIFORNIA | 17,928 | $29.4M |
| Vision | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 18,295 | $29.5M |
| Life insurance | ANTHEM BLUE CROSS LIFE AND HEALTH INSURANCE COMPANY | 18,295 | $29.5M |
| Short-term disability | ANTHEM LIFE INSURANCE COMPANY | 3,767 | $725K |
| Long-term disability | ANTHEM LIFE INSURANCE COMPANY | 3,767 | $725K |
| Other | BLUE CROSS OF CALIFORNIA | 17,928 | $29.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 18,295 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.