| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIAN SERVICES | — | $92K | $92K | 5.26% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5664 PRAIRIE CIRCLE DRIVE SE CALEDONIA, MI 49316 | KAISER | $52K | — | $52K | 4.70% |
| KUHN INSURANCE SERVICES, INC.3 Filed as: KUHN INSURANCE SERVICES | 175 BERNAL ROAD SUITE 100 SAN JOSE, CA 95119 | FOUR EVER LIFE INSURANCE | $9K | $1K | $10K | 9.04% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | GUARDIAN | $7K | $683 | $7K | 28.62% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | LINCOLN | $4K | — | $4K | 17.30% |
| BENEFITS MATCHMAKING LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | LINCOLN | — | $1K | $1K | 4.37% |
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 | 247 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE SHIELD OF CALIFORNIA - CALIFORNIA PHYSICIAN SERVICES | 141 | $2.9M |
| Dental | GUARDIAN | 247 | $26K |
| Life insurance | LINCOLN | 61 | $25K |
| Short-term disability | LINCOLN | 61 | $25K |
| Long-term disability | LINCOLN | 61 | $25K |
| Other | FOUR EVER LIFE INSURANCE | 16 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.