| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 17729 HUNTING BOW CR STE 101 LUTZ, FL 33558 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $16K | $786 | $17K | 7.07% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $3K | $5K | 2.25% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $1K | $9K | 10.07% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 17729 HUNTING BOW CR STE 101 LUTZ, FL 33558 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $261 | $5K | 6.42% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $2K | $280 | $2K | 10.46% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 17729 HUNTING BOW CR STE 101 LUTZ, FL 33558 | UNUM INSURANCE COMPANY | $1K | $66 | $1K | 6.07% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $3K | $607 | $3K | 17.45% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 17729 HUNTIN BOW CR STE 101 LUTZ, FL 33558 | UNUM INSURANCE COMPANY | $127 | $17 | $144 | 0.73% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC - FLORI | C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM INSURANCE COMPANY | $2K | $587 | $3K | 17.67% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INS | 17729 HUNTING BOW CR STE 101 LUTZ, FL 33558 | UNUM INSURANCE COMPANY | $163 | $22 | $185 | 1.16% |
| LOCKTON COMPANIES, LLC3 | FLORI C/O BANK OF AMERICA PO BOX 741738 ATLANTA, GA 30374 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $993 | $165 | $1K | 8.15% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 17729 HUNTING BOW CR SUITE 101 LUTZ, FL 33558 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $713 | $45 | $758 | 5.33% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | — | $0 | — |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | — | $0 | — |
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 | 1,101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 727 | $0 |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 727 | $0 |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 727 | $0 |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,101 | $100K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $233K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 240 | $233K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 727 | $0 |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,101 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,101 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.