| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | — | $27K | 6.99% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 1.88% |
| ACRISURE LLC3 | — | DELTA DENTAL INSURANCE COMPANY | $6K | — | $6K | 6.26% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 NORTH PALM HARBOR, FL 34683 | DELTA DENTAL INSURANCE COMPANY | $1K | — | $1K | 1.24% |
| ACRISURE LLC3 | DBA ALLTRUST INSURANCE 2965 ALT 19 NORTH PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $1K | $9K | 17.17% |
| ACRISURE LLC3 | DBA ALLTRUST INSURANCE 2965 ALT 19 NORTH PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $965 | $8K | 17.05% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 PALM HARBOR, FL 34683 | ADVANTICA INSURANCE COMPANY | $3K | — | $3K | 14.00% |
| ACRISURE LLC3 | DBA ALLTRUST INSURANCE 2965 ALT 19 NORTH PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF AMERICA | $1K | $105 | $1K | 16.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA LIFE INSURANCE COMPANY OF NOR EIN 59-1031071 CLAIMS ADMINISTRATION | Named fiduciary; Participant communication; Claims processing; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | — | $141K |
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 | 288 | 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) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL INSURANCE COMPANY | 299 | $100K |
| Vision | ADVANTICA INSURANCE COMPANY | 239 | $21K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $47K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 216 | $50K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 220 | $387K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 288 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 299 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.