| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 200 S. COLLEGE ST. STE 710 CHARLOTTE, NC 28202 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $94K | $94K | 3.80% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $34K | $34K | 1.39% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2001 MARCUS AVE SUITE W180 LAKE SUCCESS, NY 11042 | PAN-AMERICAN LIFE INSURANCE COMPANY | $12K | — | $12K | 5.09% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 701 B. STREET 6TH FLOOR SAN DIEGO, CA 92101 | PAN-AMERICAN LIFE INSURANCE COMPANY | $7K | $4K | $11K | 4.89% |
| HARPREET KAUR3 | 10120 95TH AVE. OZONE PARK, NY 11416 | PAN-AMERICAN LIFE INSURANCE COMPANY | $4K | — | $4K | 1.63% |
| ACRISURE LLC3 | 16 W. 36TH 11TH FL NEW YORK, NY 10018 | HUMANA INSURANCE COMPANY | $18K | — | $18K | 13.80% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS. SERVICES INC-ALPHARETT | 1120 SANCTUARY PARKWAY STE 300 ALPHARETTA, GA 30009 | HUMANA INSURANCE COMPANY | $9K | — | $9K | 7.09% |
| HARPEET KAUR3 | 10120 95TH AVE OZONE PARK, NY 11416 | HUMANA INSURANCE COMPANY | $1K | — | $1K | 0.77% |
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 | 307 | 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) | 307 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $2.5M |
| Dental | HUMANA INSURANCE COMPANY | 404 | $131K |
| Vision | HUMANA INSURANCE COMPANY | 404 | $131K |
| Stop-loss / reinsurancereinsurance | PAN-AMERICAN LIFE INSURANCE COMPANY | 157 | $231K |
| Other | PAN-AMERICAN LIFE INSURANCE COMPANY | 157 | $231K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.