| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST INS SVCS, LLC | 19401 40TH AVENUE WEST, SUITE 440 LYNNWOOD, WA 98036 | PRINCIPAL LIFE INSURANCE COMPANY | $16K | $10K | $25K | 7.48% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $7K | $7K | 1.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 105 WEST EVERGREEN BOULEVARD SUITE 200 VANCOUVER, WA 98660 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 1.52% |
| BENEFIT ADVISORS SVCS GRP LLC3 Filed as: BENEFIT ADVISORS SVCS. GROUP, LLC | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.01% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $972 | — | $972 | 4.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | PO BOX 745977 LOS ANGELES, CA 90074 | VISION SERVICE PLAN | $627 | — | $627 | 2.58% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST INS. SVCS., LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $516 | $0 | $516 | 2.12% |
| BELL-ANDERSON AGENCY INC3 Filed as: BELL-ANDERSON AGENCY | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $107 | — | $107 | 0.44% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $338K |
| Vision | VISION SERVICE PLAN | 266 | $24K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $338K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $338K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $338K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 443 | $343K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 443 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.