| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 364 SHELBURNE ROAD BURLINGTON, VT 05401 | STANDARD INSURANCE COMPANY | $8K | $2K | $10K | 5.07% |
| CROSS INSURANCE3 Filed as: CROSS INSURANCE, INC. | 1100 ELM STREET MANCHESTER, NH 03101 | STANDARD INSURANCE COMPANY | $3K | $0 | $3K | 1.33% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: ACRISURE NEW ENGLAND PTNR INS SVCS | 10 RESEARCH PARKWAY, SUITE 400 WALLINGFORT, CT 06492 | VISION SERVICE PLAN | $555 | $0 | $555 | 5.92% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | VISION SERVICE PLAN | $375 | $0 | $375 | 4.00% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 69 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 181 | $197K |
| Short-term disability | STANDARD INSURANCE COMPANY | 181 | $197K |
| Long-term disability | STANDARD INSURANCE COMPANY | 181 | $197K |
| Other | STANDARD INSURANCE COMPANY | 181 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.