| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 181 NEW ROAD, SUITE 304 PARSIPPANY, NJ 07054 | FIDELITY SECURITY LIFE INSURANCE CO. | $145K | — | $145K | 15.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 18.92% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 4.56% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS & BLUE SHIELD EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $816K |
| GLOBAL PHARMACEUTICAL BENEFITS, LLC EIN 27-3340151 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $312K |
| FABIAN & BYRN LLC EIN 25-1914887 NONE | Claims processing; Legal; Direct payment from the plan Service code 12 | — | $184K |
| ELAINE ALESSIO EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $123K |
| MSPC EIN 22-2951202 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $102K |
| CARMELLA RICCI EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $63K |
| MARY JO ESPOSITO EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $55K |
| NU-CENTURY PRODUCTS EIN 22-3678312 NONE | Direct payment from the plan; Copying and duplicating Service code 36 | — | $52K |
| CHRISTINE KNISPEL EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $52K |
| JBM COMPUTER CONSULTANTS, INC. EIN 16-1173118 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $51K |
| D.D. SERVICES, INC. EIN 11-2705347 NONE | Direct payment from the plan Service code 50 | — | $49K |
| METS SCHIRO MCGOVERN & PARIS, LLP EIN 75-3116930 NONE | Legal; Direct payment from the plan Service code 29 | — | $43K |
| JENNIFER TURCIOS EIN 22-2004832 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $36K |
| TEAMSTERS CENTER SERVICES FUND EIN 13-1964856 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $33K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $26K |
| PCA TECHNOLOGY GROUP, INC. EIN 26-0022778 NONE | Consulting fees; Direct payment from the plan Service code 50 | — | $19K |
| MARLIN LEASING CORPORATION EIN 22-3520555 NONE | Direct payment from the plan; Other services Service code 49 | — | $9K |
| COMERICA BANK EIN 42-1741646 NONE | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $5K |
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 | 1,666 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,309 | $31K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE CO. | 1,383 | $969K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,309 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,383 | — |
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.