| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | ANTHEM BLUE CROSS | $137K | $21K | $158K | 5.37% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | ANTHEM BLUE CROSS | — | $44K | $44K | 1.50% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | ASHTON BENEFITS 600 SYLVAN AVE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | ARMADACARE | $2K | — | $2K | 1.14% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $13K | — | $13K | 10.79% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $6K | — | $6K | 5.06% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | ANTHEM BLUE CROSS | 328 | $3.1M |
| Dental | ANTHEM BLUE CROSS | 328 | $2.9M |
| Vision | ANTHEM BLUE CROSS | 328 | $2.9M |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 206 | $120K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 206 | $120K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 206 | $120K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 206 | $120K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.