| 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 | $11K | $3K | $14K | 10.26% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 5411 SKYCENTER DRIVE SUITE 600 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 13.83% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 5411 SKYCENTER DRIVE SUITE 600 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 13.82% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INSURANC | 5411 SKYCENTER DRIVE SUITE 600 TAMPA, FL 33607 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 13.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | METLIFE LEGAL PLANS OF FLORIDA | $428 | $0 | $428 | 6.53% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5411 SKYCENTER DRIVE TAMPA, FL 33607 | METLIFE LEGAL PLANS OF FLORIDA | $242 | $0 | $242 | 3.69% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $134K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $134K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 351 | $67K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 346 | $66K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 228 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 351 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.