| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $10K | $12K | 1.44% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | USABLE LIFE | $9K | — | $9K | 13.65% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $632 | — | $632 | 0.94% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 14.52% |
| POWERS RANDOLPH T3 | PO BOX 101088 CAPE CORAL, FL 33910 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $608 | — | $608 | 4.53% |
| BOTELLO MICHAEL D3 | 310 TRUMAN AVENUE LEHIGH ACRES, FL 33936 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $20 | — | $20 | 0.15% |
| WORKPLACE EMPLOYEE BNFT SVCS3 | 1240 W MARKET STREET, #3 LIMA, OH 45802 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.11% |
| MCGUCKIN DAVID3 | 622 CENTER STREET HURON, OH 44839 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.03% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | PO BOX 4647 CLEARWATER, FL 33758 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $435 | — | $435 | 4.95% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $801K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 185 | $801K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 131 | $9K |
| Life insurance | USABLE LIFE | 147 | $67K |
| Short-term disability | USABLE LIFE | 147 | $67K |
| Long-term disability | USABLE LIFE | 147 | $67K |
| Other(3 contracts, 2 carriers) | USABLE LIFE | 147 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.