| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHELATHCARE INSURANCE COMPANY | $24K | $157K | $180K | 4.36% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHELATHCARE INSURANCE COMPANY | $13K | $82K | $95K | 2.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 11.31% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 5.19% |
| ACRISURE LLC3 Filed as: ACRISURE LLC, DBA BENEFIT HEALTH | ADVISOR 9605 S KINGSTONE CT STE 150 ENGLEWOOD, CO 80112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $116 | $2K | 12.96% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 7.10% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | METROPOLITAN LIFE INSURANCE COMPANY | $739 | — | $739 | 4.54% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA BENEFIT HEALTH | ADVISORS 9605 S KNGSTON CT STE 150 ENGLEWOOD, CO 80112 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 13.44% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $790 | — | $790 | 6.62% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | METROPOLITAN LIFE INSURANCE COMPANY | $547 | — | $547 | 4.58% |
| ACRISURE LLC3 Filed as: ACCRISURE LLC DBA BENEFIT HEALTH | ADVISOR 9605 S KINGSTON CT #150 ENGLEWOOD, CO 80112 | METROPOLITAN GENERAL INSURANCE COMPANY | $389 | $73 | $462 | 6.34% |
| GBS BENEFITS INC3 | 2200 S MAIN ST STE 600 SALT LAKE CITY, UT 84115 | METROPOLITAN GENERAL INSURANCE COMPANY | $284 | — | $284 | 3.90% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HEALTH | ADVISORS 9605 S KINGSTON CT STE 150 ENGLEWOOD, CO 80112 | METROPOLITAN LIFE INSURANCE COMPANY | $735 | — | $735 | 12.27% |
| GBS BENEFITS INC3 Filed as: GBS BENEFITS, INC | 2200 S MAIN ST STE 600 SOUTH SALT LAKE, UT 84115 | METROPOLITAN LIFE INSURANCE COMPANY | $422 | — | $422 | 7.05% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | METROPOLITAN LIFE INSURANCE COMPANY | $271 | — | $271 | 4.52% |
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 | 416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 2 carriers) | UNITEDHELATHCARE INSURANCE COMPANY | 826 | $4.2M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $197K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $197K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 368 | $197K |
| Other | METROPOLITAN GENERAL INSURANCE COMPANY | 28 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 826 | — |
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.