| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | BLUECROSS BLUESHIELD OF ILLINOIS | $52K | $2K | $54K | 4.16% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA PRESIDIO | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | PRINCIPAL LIFE INSURANCE COMPANY | $19K | $4K | $23K | 13.80% |
| ACRISURE LLC3 | 2625 W PETERSON AVE EVANS, GA 30809 | PRINCIPAL LIFE INSURANCE COMPANY | — | $902 | $902 | 0.53% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 20.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | VISION SERVICE PLAN | $714 | — | $714 | 7.68% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $96 | — | $96 | 1.03% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $32 | — | $32 | 0.34% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $450 | — | $450 | 19.98% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ILLINOIS | 157 | $1.3M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $170K |
| Vision | VISION SERVICE PLAN | 88 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $170K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $170K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $170K |
| Other(4 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 242 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.