| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAD MURRAY3 Filed as: CHAD R. MURRAY | PO BOX 3725 COEUR D ALENE, ID 83816 | UNITED HERITAGE LIFE INSURANCE COMPANY | $29K | $0 | $29K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | ALLYHEALTH | $17K | $0 | $17K | 29.55% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 3725 COEUR D ALENE, ID 83816 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.64% |
| ACRISURE LLC3 Filed as: ACRISURE NORTHWEST PARTNERS INC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $232 | $0 | $232 | 0.64% |
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 | 382 | 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) | 382 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 348 | $36K |
| Life insurance | UNITED HERITAGE LIFE INSURANCE COMPANY | 382 | $291K |
| Short-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 382 | $291K |
| Long-term disability | UNITED HERITAGE LIFE INSURANCE COMPANY | 382 | $291K |
| Other(2 contracts, 2 carriers) | UNITED HERITAGE LIFE INSURANCE COMPANY | 400 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.