| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 660 AMERICAN AVENUE, SUITE 103 KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $74K | $74K | $147K | 8.01% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $37K | $0 | $37K | 1.99% |
| EBENEFIT MARKETPLACE, LLC3 Filed as: EBENEFIT MARKETPLACE LLC | 204 STATE STREET NORTH HAVEN, CT 06473 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $18K | $18K | 0.99% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SOUTHWEST GRAND RAPIDS, MI 49503 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.72% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.17% |
| ACRISURE LLC3 | 660 AMERICAN AVENUE, SUITE 103 KING OF PRUSSIA, PA 19406 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $43K | $0 | $43K | 25.97% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS INC | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.94% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | TRANSAMERICA LIFE INSURANCE COMPANY | $24K | $0 | $24K | 37.47% |
| ACRISURE LLC3 | 660 AMERICAN AVENUE, SUITE 103 KING OF PRUSSIA, PA 19406 | ARAG INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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 | 2,547 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,547 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 1,586 | $226K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,558 | $1.8M |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,558 | $1.8M |
| Other(4 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 2,558 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,558 | — |
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.