| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | $8K | $31K | 20.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 NONE | Contract Administrator; Investment management fees paid directly by plan Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $421K |
| LISA JOBBERS EIN 22-1538529 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $65K |
| MSPC CERTIFIED PUBLIC ACCOUNTANTS EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $42K |
| DYAN MCGOVERN EIN 22-1538529 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| BMI AUDIT SERVICES EIN 38-4091484 NONE | Accounting (including auditing); Direct payment from the plan; Claims processing Service code 10 | 100 E WAYNE STREET, SUITE 400 SOUTH BEND, IN 46601 | $33K |
| SHEET METAL WORKERS LOCAL UNION 27 EIN 22-2374533 RELATED FUND | Other services; Direct payment from the plan Service code 49 | — | $33K |
| BRIDGEWAY BENEFIT TECHNOLOGIES NONE | Other services; Direct payment from the plan Service code 49 | 3700 KOPPERS STREET, SUITE 400 BALTIMORE, MD 21227 | $32K |
| O'BRIEN BELLAND & BUSHINSKY LLC EIN 37-1467056 NONE | Legal; Direct payment from the plan Service code 29 | — | $21K |
| CAPTRUST EIN 26-0058143 NONE | Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $20K |
| ALLIED TRADES ASSISTANCE PROGRAM EIN 23-2591093 NONE | Direct payment from the plan; Other fees Service code 50 | — | $12K |
| CONVEXSERV TECHNOLOGY SOLUTIONS LLC NONE | Other services; Direct payment from the plan Service code 49 | 118 N MAIN STREET FORKED RIVER, NJ 08731 | $10K |
| CALIBRE CPA GROUP, PLLC EIN 47-0900880 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
| ACRISURE LLC EIN 26-3554645 NONE | Consulting (general) Service code 16 | — | $0 |
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 | 369 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 369 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 627 | $155K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 424 | $1.1M |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 627 | $155K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.