| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSU | JAMES ALTON 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $11K | — | $11K | 3.33% |
| ACRISURE LLC3 | JAMES ALTON 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $7K | $505 | $7K | 2.24% |
| CENTRO BENEFITS RESEARCH LLC3 | 24500 CHAGRIN BLVD STE 365 BEACHWOOD, OH 44122 | STANDARD INSURANCE COMPANY | $14K | — | $14K | 8.87% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.90% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $15K | — | $15K | 17.48% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | — | $3K | 2.90% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.14% |
| ACRISURE LLC3 Filed as: ACRISURE GREAT LAKES PARTNERS INSU | 223 WEST GRAND RIVER AVENUE HOWELL, MI 48843 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 10.14% |
| ACRISURE LLC3 | 501 FRANKLIN AVE STE 218 GARDEN CITY, NY 11530 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $790 | $790 | 2.82% |
| ACRISURE LLC3 | 501 FRANKLIN AVE STE 218 GARDEN CITY, NY 11530 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.92% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $956 | $956 | 5.00% |
| ACRISURE LLC3 | 25 SICOTTE RD GRAND RAPIDS, MI 49503 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $623 | $623 | 3.26% |
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 | 446 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 939 | $317K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 756 | $63K |
| Life insurance | STANDARD INSURANCE COMPANY | 452 | $155K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 67 | $28K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $19K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 456 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.