| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $4K | — | $4K | 5.00% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $28K | — | $28K | 49.99% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | UNION SECURITY INSURANCE COMPANY | $5K | $43 | $5K | 11.44% |
| ALLTRUST INSURANCE3 | 2965 ALT 10 NORTH PALM HARBOR, FL 34683 | HUMANA INSURANCE COMPANY | $910 | — | $910 | 9.99% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 33756 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $966 | — | $966 | 33.95% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | — | $3K | 100.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 100.00% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $461 | — | $461 | 38.10% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE COMPANY | $495 | — | $495 | 100.00% |
| ACRISURE LLC3 Filed as: ACISURE LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $182 | — | $182 | 40.00% |
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 | 89 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 83 | $150K |
| Dental | UNION SECURITY INSURANCE COMPANY | 76 | $44K |
| Vision | HUMANA INSURANCE COMPANY | 120 | $9K |
| Life insurance(4 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 76 | $49K |
| Short-term disability(3 contracts) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 45 | $5K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 83 | $56K |
| Other | UNION SECURITY INSURANCE COMPANY | 76 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.