| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.39% |
| ACRISURE LLC3 | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $12K | $12K | 2.94% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $1K | $0 | $1K | 0.55% |
| ACRISURE LLC3 | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $6K | $6K | 4.19% |
| ACRISURE LLC3 | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.99% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $1 | $0 | $1 | 0.01% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $134 | $0 | $134 | 1.39% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $135 | $0 | $135 | 3.42% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $118 | $0 | $118 | 3.33% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $145 | $0 | $145 | 4.39% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $96 | $0 | $96 | 3.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $21 | $0 | $21 | 0.75% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $48 | $0 | $48 | 1.83% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.04% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $46 | $0 | $46 | 2.37% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $65 | $0 | $65 | 3.47% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE | $21 | $0 | $21 | 1.18% |
| ACRISURE LLC3 Filed as: ACRISURE,LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $59 | $0 | $59 | 3.81% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE INSURANCE BENEFITS | $3 | $0 | $3 | 0.23% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.08% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7 | $0 | $7 | 0.56% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $21 | $0 | $21 | 2.07% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $24 | $0 | $24 | 4.07% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $25 | $0 | $25 | 9.03% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ALLSTATE BENEFITS | $26 | $0 | $26 | 9.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC EIN 41-1289245 CLAIMS PROCESSOR | Other services; Claims processing Service code 12 | — | $1.4M |
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 | 4,326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 6,010 | $3.9M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 4,326 | $1.2M |
| Vision | EYEMED ON BEHALF OF THE FIFELITY SECURITY LIFE INSURANCE COMPANY | 3,420 | $162K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,917 | $221K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 1,366 | $408K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 3,922 | $629K |
| Stop-loss / reinsurancereinsurance(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 4,326 | $2.7M |
| Other(59 contracts, 5 carriers) | ALLSTATE BENEFITS | 3,917 | $527K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,010 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.