| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $73K | $5K | $78K | 17.84% |
| LOCKTON COMPANIES, LLC3 | PO BOX 123042 DALLAS, TX 75312 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $396 | $7K | 1.58% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $6K | $6K | 1.43% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1615 MURRAY CANYON ROAD, SUITE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $512 | $512 | 0.12% |
| JENNON CARUTH3 | PO BOX 46122 EDEN PRAIRIE, MN 55344 | METROPOLITAN LIFE INSURANCE COMPANY | $427 | $66 | $493 | 0.11% |
| LOCKTON COMPANIES, LLC3 | PO BOX 650823 DALLAS, TX 75265 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $399 | $399 | 0.09% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 4010 MOORPARK AENUE, SUITE 117 SAN JOSE, CA 95117 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 4.87% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 262 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 16 | $57K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $437K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $437K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $437K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $437K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $437K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN, INC. | 16 | $57K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 499 | $437K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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.