| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 8.10% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: BRITTON GALLAGHER | 13175 E. 9TH ST FL 30 CLEVELAND, OH 44114 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 8.06% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 13.66% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 3.51% |
| ACRISURE LLC5 | 1375 E 9TH ST CLEVELAND, OH 44114 | HUMANA INSURANCE COMPANY | $5K | — | $5K | 3.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $315K |
| BRITTON GALLAGHER EIN 26-3554645 BROKER | Other commissions Service code 55 | 1375 E. 9TH ST. FL 30 CLEVELAND, OH 441141797 | $0 |
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 | 470 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 474 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $244K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $340K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $340K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 606 | $314K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 606 | $314K |
| Prescription drug | HUMANA INSURANCE COMPANY | 90 | $130K |
| Stop-loss / reinsurancereinsurance | UNITEDHEALTHCARE INSURANCE COMPANY | 412 | $244K |
| Other(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 606 | $654K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 606 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.