| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.79% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, LL | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $212 | $1K | 5.83% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 12.27% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | METROPOLITAN LIFE INSURANCE COMPANY | $725 | — | $725 | 4.86% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $710 | $710 | 4.76% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A RELIANCE INS GRO | 2163 UNIVERSITY PARK DR STE 200 OKEMOS, MI 48864 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8 | $8 | 0.05% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $848 | $892 | $2K | 13.77% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $200 | $1K | 11.58% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILDELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $465 | $801 | $1K | 10.02% |
| MARIA MULLER3 | 495 WINDEMERE AVE MT ARLINGTON, NJ 07856 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | $102 | $576 | 4.56% |
| ALEXANDRO LLANO3 | 9 ALFRED PLACE LITTLE FERRY, NJ 07643 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | — | $74 | 0.59% |
| WALTER FABIAN PRADO3 | 153 MAC ARTHUR AVE GARFIELD, NJ 07026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $28 | — | $28 | 0.22% |
| LEAH ANN CASTILLO3 | 13411 RAVEN FLIGHT DR CYPRESS, TX 77429 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $20 | — | $20 | 0.16% |
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 | 185 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $26K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 64 | $26K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $15K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $15K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 188 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 188 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.