| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 900 ASHWOOD PKWY STE 300 ATLANTA, GA 30338 | HARTFORD LIFE AND ACCIDENT | $62K | — | $62K | 16.29% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.20% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | STANDARD INSURANCE COMPANY | $48K | $14K | $62K | 19.98% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | GREATER GEORGIA LIFE | $16K | — | $16K | 17.07% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE STE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 21.88% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE STE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 27.38% |
| ACRISURE LLC3 | 3580 PIERCE DRIVE STE 100 CHAMBLEE, GA 30341 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 21.89% |
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 | 677 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 145 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 822 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 727 | $382K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 670 | $402K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 670 | $402K |
| Other(3 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 234 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 727 | — |
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.