| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | JAMES ALTON 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF MICHIGAN | $14K | — | $14K | 4.33% |
| ACRISURE LLC3 | JAMES ALTON 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | DELTA DENTAL OF MICHIGAN | $3K | — | $3K | 0.83% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 3.17% |
| ACRISURE LLC3 | PAUL GOEBEL GROUP 161 OTTAWA AVE NW STE 301 GRAND RAPIDS, MI 49503 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 2.24% |
| ADVANCED BENEFIT SOLUTIONS INC3 | 15100 CROSS CREEK SPRING LAKE, MI 49456 | STANDARD INSURANCE COMPANY | -$638 | — | -$638 | -0.38% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 25.41% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $38 | — | $38 | 0.06% |
| ACRISURE LLC3 | 25 SICOTTE RD MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 1950 CHURCH ST BAKER CITY, OR 97814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $749 | $749 | 2.84% |
| ACRISURE LLC3 | 25 SICOTTE RD MARQUETTE, MI 49855 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 13.63% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 1950 CHURCH ST BAKER CITY, OR 97814 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $681 | $681 | 3.29% |
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 | 439 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF MICHIGAN | 951 | $327K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 757 | $64K |
| Life insurance | STANDARD INSURANCE COMPANY | 454 | $167K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 66 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 104 | $21K |
| Other(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 497 | $129K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.