| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $32K | $32K | 3.66% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHEAST PR INS SERV LLC | 5411 SKY CENTER DR STE 600 TAMPA, FL 33607 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 1.95% |
| ACRISURE LLC3 | 1507 S ALEXANDER ST STE 101 PLANT CITY, FL 33563 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 12.64% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $7K | 6.70% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS5 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5K | $5K | 4.18% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | GARCEAU INSURANCE AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | 1.32% |
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. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $872K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $109K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $109K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $109K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $109K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $109K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 246 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.