| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SERVICES | 16806 W CLEVELAND AVE NEW BERLIN, WI 53151 | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATE | $30K | — | $30K | 2.49% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SERVICES | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 14.43% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 2.27% |
| ACRISURE LLC3 Filed as: ACRISURE LLC. | PO BOX 51187 NEW BERLIN, WI 53151 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 6.12% |
| ACRISURE LLC3 Filed as: ACRISURE LLC. | PO BOX 51187 NEW BERLIN, WI 53151 | WYSSTA INSURANCE COMPANY INC | $1K | — | $1K | 8.75% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 38.52% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A HNI RISK SERVICE | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 25.68% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $94 | $94 | 0.75% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 45.77% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A HNI RISK SERVICE | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 30.51% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $102 | $102 | 0.82% |
| IBENEFIT COMMUNICATION LLC3 | 4400 PARK RD STE 311 CHARLOTTE, NC 28209 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 31.52% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A HNI RISK SERVICE | 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 21.01% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $56 | $56 | 0.56% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA WISCONSIN HEALTH ORGANIZATION INSURANCE CORPORATE | 119 | $1.2M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $188K |
| Vision(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $120K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $106K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $106K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 278 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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.