| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 660 AMERICAN AVE, SUITE 103 KING OF PRUSSIA, PA 19406 | LINCOLN NATIONAL INSURANCE COMPANY | $76K | $51K | $127K | 10.00% |
| ACRISURE LLC3 | 660 AMERICAN AVE, SUITE 103 KING OF PRUSSIA, PA 19406 | UNITED STATES FIRE INSURANCE | $50K | $0 | $50K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ROLLER CONSULTING | 660 AMERICAN AVE, SUITE 103 KING OF PRUSSIA, PA 19406 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 5.00% |
| ACRISURE LLC3 | 660 AMERICAN AVE, SUITE 103 KING OF PRUSSIA, PA 19406 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | $0 | $4K | 10.04% |
| ACRISURE LLC3 | 660 AMERICAN AVE, SUITE 103 KING OF PRUSSIA, PA 19406 | ARAG INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| ACRISURE LLC3 | 660 AMERICAN AVE, SUITE 103 KING OF PRUSSIA, PA 19406 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $3K | $0 | $3K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $590K |
| ROLLER CONSULTING CO INC EIN 23-2385767 RECORD KEEPER/CALL CENTE | Recordkeeping fees Service code 64 | — | $107K |
| DELTA DENTAL OF PENNSYLVANIA EIN 23-1667011 CLAIMS PROCESSING | Claims processing Service code 12 | — | $55K |
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 | 2,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,229 | $157K |
| Life insurance | LINCOLN NATIONAL INSURANCE COMPANY | 1,828 | $1.3M |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 271 | $38K |
| Long-term disability | LINCOLN NATIONAL INSURANCE COMPANY | 1,828 | $1.3M |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE | 1,259 | $1.0M |
| Other(4 contracts, 4 carriers) | LINCOLN NATIONAL INSURANCE COMPANY | 1,828 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,828 | — |
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."
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.