| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 129 BUICK LN HUNKER, PA 15639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.52% |
| ACRISURE LLC3 | 129 BUICK LN HUNKER, PA 15639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $9K | 11.96% |
| ACRISURE LLC3 | 129 BUICK LN HUNKER, PA 15639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $773 | $2K | 7.96% |
| ACRISURE LLC3 | 129 BUICK LN HUNKER, PA 15639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $682 | $3K | 12.97% |
| ACRISURE LLC3 | 129 BUICK LN HUNKER, PA 15639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $641 | $3K | 12.99% |
| ACRISURE LLC3 | 129 BUICK LN HUNKER, PA 15639 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $835 | $493 | $1K | 7.95% |
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 | 232 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UPMC HEALTH OPTIONS | 334 | $2.1M |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 178 | $85K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 177 | $23K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $38K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $76K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $26K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 215 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.