| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | JAMES ALTON 500 N WATER ST, STE 900 CORPUS CHRISTI, TX 78401 | DELTA DENTAL OF MICHIGAN | $18K | $798 | $18K | 5.24% |
| ACRISURE LLC3 | DETROIT OFFICE 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | — | $8K | 10.36% |
| ACRISURE LLC3 | 1229 SWIFT AVE N KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.39% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $7K | — | $7K | 10.14% |
| ACRISURE LLC3 | DETROIT OFFICE 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | — | $4K | 7.31% |
| ACRISURE LLC3 | 1229 SWIFT AVE NORTH KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 3.79% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | CONTINENTAL AMERICAN INSURANCE COMPANY | $21K | — | $21K | 59.72% |
| ACRISURE LLC3 | DETROIT OFFICE 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 | 1229 SWIFT AVE N KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $306 | $306 | 2.15% |
| ACRISURE LLC3 | DETROIT OFFICE 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| ACRISURE LLC3 | 1229 SWIFT AVE N KANSAS CITY, MO 64116 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $516 | $516 | 3.96% |
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 | 381 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 390 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 983 | $352K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 767 | $67K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 384 | $133K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 48 | $14K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 81 | $13K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 413 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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.