| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $35K | — | $35K | 4.15% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $965 | $10K | 16.63% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA PRESIDIO | 55 SHUMAN BLVD., SUITE 900 NAPERVILLE, IL 60563 | DELTA DENTAL OF ILLINOIS | $3K | — | $3K | 7.58% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA PRESIDIO | 55 SHUMAN BLVD., SUITE 900 NAPERVILLE, IL 60563 | EYEMED | $536 | — | $536 | 5.78% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA WINE SERGI & COMPA | 1000 EAST WARRENVILLE RD., #101 NAPERVILLE, IL 60563 | EYEMED | $397 | — | $397 | 4.28% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES LLC - CHICAG | PO BOX 61187 VIRGINIA BEACH, VA 23466 | EYEMED | $319 | — | $319 | 3.44% |
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 | 172 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 144 | $847K |
| Dental | DELTA DENTAL OF ILLINOIS | 82 | $40K |
| Vision | EYEMED | 180 | $9K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $59K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $59K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 111 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.