| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 90 S RIDGE STREET STE 200 RYE BROOK, NY 10573 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $176K | $176K | 4.33% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $88K | $88K | 2.16% |
| ACRISURE LLC3 | 90 S RIDGE STREET RYE BROOK, NY 10573 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $17K | — | $17K | 7.27% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $10K | $10K | 4.46% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS SE | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | FIRST UNUM LIFE INSURANCE COMPANY | $15K | $1K | $17K | 12.18% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS SE | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $485 | $8K | 23.36% |
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 | 167 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 150 | $235K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 150 | $235K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $171K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $138K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 166 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.