| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07362 | GROUP HOSPITALIZATION MEDICAL SERVICES INC | — | $141K | $141K | 3.25% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: NONSTOP ADMINISTRATION AND INSURANC | 2300 CLAYTON ROAD SUITE 1450 CONCORD, CA 94520 | GROUP HOSPITALIZATION MEDICAL SERVICES INC | — | $11K | $11K | 0.26% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES INC | $30K | — | $30K | 2.78% |
| M3 INSURANCE SOLUTIONS INC Filed as: NONSTOP ADMINISTRATION AND INSURANC | 1800 SUTTER ST SUITE 730 CONCORD, CA 94520 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC STATES INC | $2K | $6K | $8K | 0.72% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $44K | $9K | $52K | 13.20% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $3K | $18K | 12.00% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNUM INSURANCE COMPANY | $34K | $1K | $35K | 67.01% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNUM INSURANCE COMPANY | $20K | $620 | $21K | 67.01% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNUM INSURANCE COMPANY | $17K | $509 | $17K | 67.00% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $510 | $3K | 12.00% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | LEGAL RESOURCES | $508 | — | $508 | 5.53% |
| ACRISURE LLC3 | 1803 RESEARCH BLVD SUITE 604 ROCKVILLE, MD 20850 | LEGAL RESOURCES | $207 | — | $207 | 5.45% |
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 | 694 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 694 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES INC | 668 | $5.4M |
| Dental | GROUP HOSPITALIZATION MEDICAL SERVICES INC | 895 | $382K |
| Vision | GROUP HOSPITALIZATION MEDICAL SERVICES INC | 895 | $382K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 694 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $396K |
| Prescription drug(2 contracts, 2 carriers) | GROUP HOSPITALIZATION MEDICAL SERVICES INC | 668 | $5.4M |
| Other(7 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 975 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 975 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.