| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 823 LUBINGTON ST ESCANABA, MI 49829 | FLAGSHIP HEALTH SYSTEMS | $25 | — | $25 | 0.23% |
| CONNER STRONG & BUCKELEW3 | TRIAD 1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $906 | — | $906 | 10.00% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $234 | $234 | 2.58% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $417 | $417 | 4.93% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $605 | $605 | 8.64% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $449 | $449 | 7.79% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $4K | $4K | 95.46% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $313 | $313 | 8.47% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $334 | $334 | 9.44% |
| ACRISURE LLC3 | 823 LUBINGTON ST ESCANABA, MI 49829 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $160 | $160 | 5.10% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 325 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 95 | $60K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $9K |
| Short-term disability(7 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 278 | $36K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 345 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.