| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | DBA GROUP BENEFIT CONCEPTS 18459 PINES BOULEVARD PEMBROKE PINES, FL 33029 | AETNA LIFE INSURANCE CO. | $135K | — | $135K | 3.94% |
| ACRISURE LLC3 | DBA GROUP BENEFIT CONCEPTS 18459 PINES BOULEVARD PEMBROKE PINES, FL 33029 | AETNA LIFE INSURANCE CO. | $175K | — | $175K | 9.20% |
| ACRISURE LLC3 | 18459 PINES BLVD #220 PEMBROKE PINES, FL 33029 | HARTFORD LIFE AND ACCIDENT | $112K | $77K | $188K | 16.28% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | HARTFORD LIFE AND ACCIDENT | — | $36K | $36K | 3.09% |
| PAUL DOUGLAS GREENWELL3 Filed as: PAUL D GREENWELL | 411 NW 1ST AVE APT 602 FORT LAUDERDALE, FL 33301 | HARTFORD LIFE AND ACCIDENT | $12K | — | $12K | 1.00% |
| ACRISURE LLC3 | DBA DBA GROUP BENEFIT CONCEPTS 18459 PINES BOULEVARD SUITE 220 PEMBROKE PINES, FL 33029 | AETNA LIFE INSURANCE CO. | $216K | — | $216K | 43.79% |
| PAUL DOUGLAS GREENWELL3 | 411 NW 1STAVE UNIT 602 FORT LAUDERDALE, FL 33301 | AETNA LIFE INSURANCE CO. | $54K | — | $54K | 10.95% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | ARAG INSURANCE COMPANY | $9K | — | $9K | 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 | 1,943 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,943 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 4,426 | $1.9M |
| Vision | AETNA LIFE INSURANCE CO. | 4,426 | $1.9M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,291 | $1.2M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,291 | $1.2M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,291 | $1.2M |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE CO. | 1,961 | $3.4M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,291 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,426 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.