| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $55K | $55K | 5.80% |
| ACRISURE LLC3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 346831907 | GUARDIAN | $7K | $6K | $14K | 12.14% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 493168081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 8.22% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 346830000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $577 | $131 | $708 | 2.19% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 493168081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 16.39% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 346830000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $125 | $1K | 4.02% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 493168081 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $5K | — | $5K | 16.54% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 346830000 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $113 | $1K | 3.84% |
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 | 284 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 259 | $949K |
| Dental | GUARDIAN | 157 | $112K |
| Vision | GUARDIAN | 157 | $112K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $29K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 163 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 82 | $31K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 164 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.