| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE HERITAGE INSURANCE AGENCY | 7926 E 171ST ST BELTON, MO 64012 | HUMANA INSURANCE COMPANY | $98K | $845 | $99K | 3.95% |
| THE HERITAGE COMPANIES3 Filed as: THE HERITAGE COMPANIES INC | 7926 E 171ST STE 100 BELTON, MO 64012 | SUN LIFE ASSURANCE COMPANY OF CANADA | $12K | — | $12K | 112.47% |
| ACRISURE LLC3 Filed as: ACRISURE WALLSTREET PARTNERS LLC | 1530 RAX CT JEFFERSON CITY, MO 65109 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $7K | $7K | 65.89% |
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 | 363 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE COMPANY | 363 | $2.5M |
| Dental | HUMANA INSURANCE COMPANY | 363 | $2.5M |
| Vision | HUMANA INSURANCE COMPANY | 363 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 365 | $2.5M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 365 | $11K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 365 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 365 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.