| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | UNITEDHEALTHCARE INSURANCE COMPANY | $185K | — | $185K | 4.84% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY RD. WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $55K | $6K | $60K | 1.57% |
| STRATEGIC WELLNESS & INS MANAGEMENT3 Filed as: STRATEGIC WELLNESS & INS MGMT SVCS | 15 PARK PL STE 3 BRONXVILLE, NY 10708 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | — | -$2K | -0.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR. SE CALEDONIA, MI 49316 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 7.79% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY RD. STE 403 4TH FLOOR WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | — | $9K | 5.39% |
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 | 323 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 684 | $3.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 684 | $3.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 684 | $3.8M |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $166K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $166K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $166K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 323 | $166K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 684 | — |
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.