| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | HARTFORD LIFE AND ACCIDENT | $185K | $0 | $185K | 9.86% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | $0 | $54K | $54K | 2.89% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $19K | $0 | $19K | 9.34% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | MHN SERVICES, LLC | $7K | $0 | $7K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1460 ROUTE 9 NORTH WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE COMPANY | $6K | $60 | $6K | 16.71% |
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 | 2,930 | 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) | 2,930 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 164 | $38K |
| Vision | VISION SERVICE PLAN | 1,215 | $204K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 2,146 | $1.9M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,146 | $1.9M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,146 | $1.9M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,930 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,930 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.