| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $47K | $0 | $47K | 4.00% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | HEALTH OPTIONS | $13K | $0 | $13K | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2001 MARCUS AVE LAKE SUCCESS, NY 11042 | SUN LIFE ASSURANCE COMPANY OF CANADA | $9K | $0 | $9K | 10.92% |
| ACRISURE LLC3 Filed as: ACRISURE DBA HEAD CAPITAL ADVISORS | P.O. BOX 1788 GRAND RAPIDS, WI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $1K | $1K | 1.64% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $2K | $6K | 14.69% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 12.74% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $4K | 14.89% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $954 | $3K | 14.42% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST | 2965 ALT 19 PALM HARBOR, FL 34683 | TRANSAMERICA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 22.17% |
| ALLTRUST INSURANCE3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | METLIFE LEGAL PLANS OF FLORIDA | $283 | $166 | $449 | 32.40% |
| ACRISURE LLC3 Filed as: ACRISURE DBA EMPLOYEE BENEFIT SERVI | 489 SEMINOLE ROAD MUSKEGON, MI 49444 | METLIFE LEGAL PLANS OF FLORIDA | $0 | $21 | $21 | 1.52% |
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 | 158 | 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) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $1.5M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $80K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 121 | $80K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $40K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 77 | $25K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $42K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 115 | $1.2M |
| Other(4 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 158 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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."
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.