| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | $0 | $76K | 15.86% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $2K | $12K | 12.04% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $698 | $17K | 20.87% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 19.07% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $9K | $3K | $12K | 19.13% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $1K | $5K | 19.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $762 | $3K | 14.12% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $972 | $271 | $1K | 19.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $14K |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $476K |
| Dental | UNITED OF OMAHA LIFE INSURANCE COMPANY | 204 | $96K |
| Vision | UNITED OF OMAHA LIFE INSURANCE COMPANY | 191 | $18K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 314 | $6K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 252 | $63K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 101 | $23K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 174 | $476K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 314 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 314 | — |
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.