| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $62K | $4K | $66K | 12.78% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $20K | $1K | $21K | 15.75% |
| ACRISURE LLC3 Filed as: ACRISURE LLC PEACHTREE BENEFIT GRP | 3580 PIERCE DR NE STE 100 CHAMBLEE, GA 303412123 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 13.62% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $207 | $207 | 0.44% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CARRIER | 1390 WILLOW PASS RD #800 CONCORD, CA 94520 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CARRIER | PO BOX 102157 PASADENA, CA 91189 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $543 | — | $543 | 2.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 3580 PIERCE DR STE 100 CHAMBLEE, GA 30341 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.34% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE CARRIER | 135 PINELAWN RD STE 220N MELVILLE, NY 11747 | GUARDIAN | $0 | $654 | $654 | 4.35% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| TRUSTMARK HEALTH BENEFITS, INC. EIN 35-1846036 NONE | Other services; Plan Administrator; Claims processing Service code 12 | — | $154K |
| EDGEWOOD PARTNERS INSURANCE EIN 94-3195221 NONE | Consulting (general); Insurance agents and brokers Service code 16 | — | $135K |
| AETNA EIN 06-6033492 NONE | Claims processing; Other services Service code 12 | — | $32K |
| MULTIPLAN, INC. EIN 13-3068979 NONE | Plan Administrator; Claims processing; Other services Service code 12 | — | $12K |
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 | 241 | 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) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 242 | $15K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 367 | $20K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $698K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $516K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $516K |
| Stop-loss / reinsurancereinsurance | AETNA LIFE INSURANCE COMPANY | 241 | $732K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 317 | $734K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.