| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS INS | 10 RESEARCH PKWY STE 400 WALLINGFORD, CT 06492 | UNITEDHEALTHCARE INSURANCE COMPANY | $84K | — | $84K | 4.36% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC CT | 240 MAIN ST FARMINGTON, CT 06032 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 1.23% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 4.90% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS INS | 10 RESEARCH PKWY STE 400 WALLINGFORD, CT 06492 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.29% |
| ACRISURE LLC3 | 40 CORPORATE AVE PLAINVILLE, CT 06062 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $646 | — | $646 | 0.71% |
| ACRISURE LLC3 | FARMINGTON VALLEY CORP PARK 40 CORPORATE AVENUE PLAINVILLE, CT 06062 | GUARDIAN | $8K | — | $8K | 12.99% |
| ACRISURE LLC3 Filed as: ACRISURE NEW ENGLAND PARTNERS | INSURANCE SERVICES 10 RESEARCH PKWY STE 400 WALLINGFORD, CT 06492 | GUARDIAN | — | $1K | $1K | 1.98% |
| ACRISURE LLC3 | DBA HEALTH CONSULTANTS GROUP PLAINSVILLE, CT 06062 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5K | $2K | $6K | 11.36% |
| ENROLLMENT SOLUTIONS LTD3 | 65 BURBANK RD SUTTON, MA 01590 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $952 | $739 | $2K | 3.06% |
| BENEFITS ENRICHED INC3 | 50 LAGOSHEN DRIVE MOSCOW, TN 38057 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 2.52% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST. APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $789 | $312 | $1K | 1.99% |
| HORACIO J. CABRAL3 Filed as: HORACIO J CABRAL | 37 DARTMOUTH LN EAST LONGMEADOW, MA 01028 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $950 | $26 | $976 | 1.77% |
| PIO ANDRES ORTIZ3 | 5 BROOK RD ENFIELD, CT 06082 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $189 | $42 | $231 | 0.42% |
| ASHLEY FOLLIS3 | 2 GRIFFITHS DR DURHAM, NH 03824 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $39 | $10 | $49 | 0.09% |
| ANDREA R. HENCHEY3 Filed as: ANDREA R HENCHEY | 5 EDGEMERE BLVD SHREWSBURY, MA 01545 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | $12 | $20 | 0.04% |
| ACRISURE LLC3 | 1200 MACARTHUR BOULEVARD SUITE 10 MAHWAH, NJ 07430 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $283 | — | $283 | 3.82% |
| ACRISURE LLC3 | 1200 MACARTHUR BOULEVARD SUITE 105 MAHWAH, NJ 07430 | BOSTON MUTUAL LIFE INSURANCE COMPANY | $304 | — | $304 | 4.13% |
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 | 157 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 313 | $1.9M |
| Dental | GUARDIAN | 427 | $59K |
| Vision | GUARDIAN | 427 | $59K |
| Life insurance(2 contracts) | BOSTON MUTUAL LIFE INSURANCE COMPANY | 23 | $15K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 275 | $91K |
| Other(3 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 42 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 427 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.