| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES INC. | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 6.04% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $3K | $9K | 5.88% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA GARCEAU INS AGNCY | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 3.30% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC | 1900 E GOLF ROAD-STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 11.61% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $389 | $2K | 7.94% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC D/B/A GARCEAU INS CO | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $527 | $527 | 2.17% |
| DSP INSURANCE SERVICES, INC.3 Filed as: DSP INSURANCE SERVICES | 1900 E GOLF ROAD- SUITE 225 SCHAUMBURG, IL 60173 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.88% |
| WINE SERGI & CO LLC3 | 1000 E WARRENVILLE RD STE 101 NAPERVILLE, IL 60563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $562 | — | $562 | 4.60% |
| DS&P INSURANCE SERVICES, INC.3 Filed as: DS&P INSURANCE SERVICES INC | 1900 E GOLF ROAD - STE 650 SCHAUMBURG, IL 60173 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 11.81% |
| ACRISURE LLC3 | 55 SHUMAN BLVD-STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $766 | $227 | $993 | 8.23% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INS CO | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $338 | $338 | 2.80% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 82 | $36K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $149K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $149K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $161K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $149K |
| Other(4 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
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.