| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $71K | $0 | $71K | 3.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE SUITE 1000 JACKSONVILLE, FL 32202 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 1.22% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA, LLC | 1615 MURRAY CANYON ROAD, SUITE 1050 SAN DIEGO, CA 92108 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 SOUTH ORANGE AVENUE SUITE 750 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $63 | $1K | 0.87% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60690 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $465 | $465 | 0.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 UNK CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $4 | $4 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHWEST PARTNERS, INC. | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $298 | $50 | $348 | 9.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 RIVERSIDE AVENUE, SUITE 1000 JACKSONVILLE, FL 32202 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $125 | $0 | $125 | 3.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $9 | $9 | 0.23% |
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 | 192 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $2.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $139K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 276 | $139K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $4K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $2.1M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 119 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.