| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | AETNA LIFE INSURANCE COMPANY | $21K | $441K | $461K | 5.10% |
| ACRISURE LLC3 | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $61K | $0 | $61K | 10.83% |
| ACRISURE LLC3 | 6307 84TH STREET SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | $0 | $40K | $40K | 7.08% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | MHN SERVICES, LLC | $3K | $0 | $3K | 10.00% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | MHN SERVICES INC | $1K | $0 | $1K | 10.00% |
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 | 1,543 | 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) | 1,543 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 2,090 | $9.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 2,090 | $9.0M |
| Vision | AETNA LIFE INSURANCE COMPANY | 2,090 | $9.0M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,088 | $563K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 1,088 | $563K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,088 | $563K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 2,090 | $9.0M |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 1,141 | $599K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,090 | — |
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.
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.