| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $487 | $11K | 8.38% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 2965 ALT 19 N PALM HARBOR, FL 34683 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 17.94% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 2965 ALT 19 N PALM HARBOR, FL 34683 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $11K | 17.88% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 2965 ALT 19 N PALM HARBOR, FL 34683 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $2K | $10K | 17.77% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5411 SKYCENTER DRIVE TAMPA, FL 33607 | METROPOLITAN GENERAL INSURANCE COMPANY | $687 | $0 | $687 | 9.13% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | METROPOLITAN GENERAL INSURANCE COMPANY | $57 | $0 | $57 | 0.76% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 2965 ALT 19 N PALM HARBOR, FL 34683 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $588 | $28 | $616 | 15.70% |
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 | 380 | 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) | 380 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $129K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $129K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $59K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 380 | $59K |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 380 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 380 | — |
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.