| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS, LLC | 1530 RAX COURT JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | $582K | $125K | $707K | 25.04% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS | 1530 RAX COURT JEFFERSON CITY, MO 65109 | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | $40K | — | $40K | 9.97% |
| VHA MID AMERICA INS SVCS3 Filed as: VHA MID-AMERICA INSURANCE SERVICES | PO BOX 842167 DALLAS, TX 75284 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 14.59% |
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 | 2,764 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HEALTHY ALLIANCE LIFE INSURANCE COMPANY | 4,913 | $405K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,717 | $2.8M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,717 | $2.8M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,717 | $2.8M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 3,717 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,913 | — |
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.