| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | $152K | — | $152K | 3.71% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | — | $68K | 1.66% |
| BELL-ANDERSON AGENCY INC3 | 600 SW 39TH STREET SUITE 200 RENTON, WA 98057 | KAISER FOUNDATION HEALTH PLAN OF THE NORTHWEST | $3K | — | $3K | 3.92% |
| BELL-ANDERSON AGENCY INC3 | 600 SW 39TH STREET SUITE 200 RENTON, WA 980574919 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 3.34% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| ACRISURE LLC3 | 525 7TH AVENUE ROOM 1800 NEW YORK, NY 10018 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $524 | $524 | 0.90% |
| ACRISURE LLC3 | 525 7TH AVENUE ROOM 1800 NEW YORK, NY 10018 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $302 | $4K | 10.87% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 | 525 7TH AVENUE ROOM 1800 NEW YORK, NY 10018 | COMPANION LIFE INSURANCE COMPANY | $2K | $228 | $2K | 7.86% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 | 525 7TH AVENUE ROOM 1800 NEW YORK, NY 10018 | MUTUAL OF OMAHA INSURANCE COMPANY | $482 | $63 | $545 | 7.92% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $344 | $344 | 5.00% |
| ACRISURE LLC3 | 525 7TH AVENUE ROOM 1800 NEW YORK, NY 10018 | MUTUAL OF OMAHA INSURANCE COMPANY | $380 | $38 | $418 | 11.00% |
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 | 317 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | 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 |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 573 | $4.2M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 344 | $33K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 345 | $35K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 346 | $58K |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 344 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 573 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.