| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA UNION BENEFIT | PLANNERS 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $218K | — | $218K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PWY W VEVA 16#320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $73K | $73K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $43K | $43K | 2.92% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA UNION BENEFIT | PLANNERS 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $10K | $109K | $120K | 10.92% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $55K | $55K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $50K | $50K | 4.58% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $10K | — | $10K | 1.54% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 1667 ELM ST STE 3 MANCHESTER, NH 03101 | VISION SERVICE PLAN | $10K | — | $10K | 1.54% |
| ACRISURE LLC3 Filed as: GROUP BENEFITS & ADMIN DBA ACRISURE | 120 EAGLE ROCK AVE. SUITE 195 EAST HANOVER, NJ 07936 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $16K | — | $16K | 7.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NE LIMITED | 100 SUNNYSIDE BLVD. ATTN KATHY FIEDORSZYN WOODBURY, NY 11797 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $7K | $957 | $7K | 7.02% |
| ACRISURE LLC3 | DBA GROUP BENEFITS ADMINISTRATION 120 EAGLE ROACK AVE, STE 195 EAST HANOVER, NJ 07936 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $3K | $161 | $3K | 2.54% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | — | $31K | 29.31% |
| CHRISTINE M. MCCULLUGH3 Filed as: CHRISTINE WALSH | 255 WEST NECK RD. HUNTINGTON, NY 11743 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | — | $1K | 1.14% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | THE CAMPBELL GROUP 100 OTTAWA AVE SE GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 5.47% |
| ROGER LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $436 | $3K | 10.48% |
| NANCY LAPHAM3 | 303 SUGARBERRY CIRCLE HOUSTON, TX 77024 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $419 | $161 | $580 | 1.94% |
| INSGROUP INC3 | 5151 SAN FELIPE ST STE 2400 HOUSTON, TX 77056 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $163 | — | $163 | 0.55% |
| BRIAN LESSARD3 | PO BOX 1533 QUECHEE, VT 05059 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $58 | — | $58 | 0.19% |
| MARYSOL N. CALVILLO3 Filed as: MARYSOL N CALVILLO | 5026 LONGLANE DR HOUSTON, TX 77084 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $29 | — | $29 | 0.10% |
| BRUCE D AKERS3 | 2383 CALYPSO LN LEAGUE CITY, TX 77573 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.09% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LTD | 100 SUNNYSIDE BLVE ATTEN KATHY FIEDORYSZYN WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $312 | — | $312 | 5.00% |
| KAYE INSURANCE ASSOCIATES INC3 | 100 SUNNYSIDE BLVD ATTN KATHY FIEDORYSZYN WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | — | $47 | $47 | 0.75% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERATIONAL NORTHEAST LIMITED | 1393 VETERAN HWY STE 210N HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | 0.08% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | THE CAMPBELL GROUP 100 OTTAWA AVE SE GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE CO. | $194 | — | $194 | 4.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 63.37% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA UNION BENEFIT | PLANNERS 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $95 | $95 | 4.97% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PWY W VEVA 16#320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $95 | $95 | 4.97% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | THE CAMPBELL GROUP 100 OTTAWA AVE SE GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE CO. | $89 | — | $89 | 4.70% |
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 | 2,315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 46 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,361 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 9 | $233K |
| Dental(3 contracts) | AETNA LIFE INSURANCE CO. | 355 | $57K |
| Vision | VISION SERVICE PLAN | 3,866 | $640K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,064 | $1.1M |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 77 | $2K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 1,011 | $1.5M |
| Prescription drug | HAWAII MEDICAL SERVICE ASSOCIATION | 1 | $9K |
| Other(5 contracts, 5 carriers) | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | 2,180 | $277K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,866 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.