| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A TARPEY GROUP LLC | 310 PASSAIC AVE STE 202 FAIRFIELD, NJ 07004 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.86% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | — | $827 | $827 | 1.63% |
| THE TARPEY GROUP, LLC3 Filed as: TARPEY GROUP LLC | 310 PASSIAC AVENUE STE 202 FAIRFIELD, NJ 07004 | METROPOLITAN LIFE INSURANCE COMPANY | — | $66 | $66 | 0.13% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $436 | $4K | 16.04% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $180 | $2K | 15.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DRIVE GREENVILLE, SC 29607 | FEDERAL INSURANCE COMPANY | $344 | — | $344 | 16.58% |
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 | 170 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 80 | $51K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 80 | $51K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 19 | $16K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 171 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.