Form 5500 · Employee benefit plan · GRAND RAPIDS, MI
ACRISURE LLC
The filing calls this plan ACRISURE LLC FLEXIBLE BENEFIT PLAN.
ACRISURE LLC of GRAND RAPIDS, MI insures health, vision, life and disability coverage for its employees, per Schedule A of its Form 5500. Its broker of record is ACRISURE LLC. Coverage is written through KAISER FOUNDATION HEALTH PLAN, INC. and 4 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 26-3554645 · plan 502 · plan year 2025, filed Jul 28, 2026
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1,931 other employer plans in Michigan have policy years ending in December. See the full list on the renewal calendar, or ask for it in Claude or ChatGPT.
How this plan is funded
Both, as reported
The medical insurance contracts on the filing cover fewer than half the people in the plan, so the rest is paid another way.
A stop-loss policy appears on a Form 5500 only when the plan itself is the beneficiary, or the premiums are paid from plan money. Many employers buy stop-loss and never report it here. So a plan with no stop-loss on its filing may still have it.
Benefits declared on this filing
Health: the largest of the 2 insured health contracts, with KAISER FOUNDATION HEALTH PLAN, INC., covers 530 of 8,229 participants (6.4%) on Schedule A.
2 contracts on this filing do not say which benefits they cover, so a line above may be insured by one of them.
Also declared: prepaid legal, other welfare.
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 7 insured contracts covering health, vision, life and disability.
The filing declares health, vision, life, disability and dental. Dental appears with no insured contract on Schedule A. That coverage may be self-funded, placed with a carrier that is not on this filing, or written on one of the 2 contracts here that do not say what they cover.
Reported premium across the insured contracts is $15,386,108, with $98,054 in disclosed broker commissions — about 0.6% of premium.
The most recent policy period ended in December, and the plan year ends December 31. Group contracts typically renew on that annual cycle.
ACRISURE LLC is the broker of record on 1 of the 7 contracts; the rest name a different broker or none.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| AMERICAN HERITAGE LIFE INSURANCE COMPANY | — | 3,350 | Jan 1, 2026 | $1,441,377 | $61,368 |
| PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | — | 1,126 | Jan 1, 2026 | $203,283 | $36,686 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 530 | Jan 1, 2026 | $4,102,787 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Life | 11,493 | Jan 1, 2026 | $3,537,729 | $0 |
| KAISER FOUNDATION HEALTH PLAN, INC. | Health | 443 | Jan 1, 2026 | $3,337,344 | $0 |
| VISION SERVICE PLAN | Vision | 8,170 | Jan 1, 2026 | $1,503,970 | $0 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 11,493 | Jan 1, 2026 | $1,259,618 | $0 |
Premium and claims on this contract
VISION SERVICE PLAN, contract 12273018. For the contract year on this filing, the carrier reported $1,503,970 in premium earned and $1,119,765 in claims incurred. Dividing one by the other gives 74%.
- VISION SERVICE PLAN, contract 12273018 reported $203,036 in retention.
Retention is what the carrier kept of the premium after claims, as reported: administration, commissions and other charges.
Only experience-rated contracts report these figures, so most filings leave them blank.
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Reported to OSHA
Reported to OSHA for 2025: 18,488 employees, 58 recordable cases, 494 days away from work.
Source: OSHA Injury Tracking Application establishment data, 2025.
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