| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 346831907 | HUMANA MEDICAL PLAN, INC. | $127K | $941 | $128K | 4.98% |
| FURMAN FRANK H INC3 | 1314 E ATLANTIC BLVD PO BOX 1927 POMPANO BEACH, FL 330606745 | HUMANA MEDICAL PLAN, INC. | -$11 | — | -$11 | -0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 346831907 | HUMANA INSURANCE COMPANY | $5K | $11K | $16K | 7.59% |
| ACRISURE LLC3 | 9500 S DADELAND BLVD MIAMI, FL 33156 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $19K | $5K | $24K | 13.57% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 346831907 | HUMANA INSURANCE COMPANY | $2K | $1K | $3K | 13.02% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 2965 ALT 19 NORTH PALM HARBOR, FL 346831907 | HUMANA HEALTH INSURANCE COMPANY OF FLORIDA, INC. | $66 | $1 | $67 | 5.04% |
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 | 526 | 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) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HUMANA MEDICAL PLAN, INC. | 308 | $2.6M |
| Dental | HUMANA INSURANCE COMPANY | 355 | $210K |
| Vision | HUMANA INSURANCE COMPANY | 277 | $25K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 499 | $177K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 499 | $177K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 499 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 499 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.