| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE | PO 1788 GRAND RAPIDS, WI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | $17K | $779 | $18K | 2.72% |
| UMR, INC.3 Filed as: UMR | 11 SCOTT STREET SUITE 100 WAUSAU, WI 54403 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | $0 | $4K | 0.64% |
| ACRISURE LLC3 | 2965 ALT 19 N PALM HARBOR, FL 34683 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $14K | $58K | 11.93% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 1.99% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 N PALM HARBOR, FL 34683 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $23K | $0 | $23K | 15.00% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $375 | $375 | 0.24% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 4.45% |
| ALLTRUST INSURANCE3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | CONTINENTAL AMERICAN INSURANCE COMPANY | $27K | $0 | $27K | 25.14% |
| VICTORRIO PAUL ZANIOL INC3 | 7301 6TH AVE ST PETERSBURG, FL 33710 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 2.78% |
| MICHELLE A BAUGHMAN3 Filed as: MICHELLE BAUGHMAN | 109 BAKER STREET BROUSSARD, KS 70518 | CONTINENTAL AMERICAN INSURANCE COMPANY | $59 | $0 | $59 | 0.06% |
| DEBORAG J CRISP-CALDWELL3 | 1432 WHITMAN DRIVE NW CONCORD, NC 26027 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32 | $0 | $32 | 0.03% |
| SHERRY DEAN HOMAN3 Filed as: SHERRY D HOMAN | 113 FLAGG BLVD BLD 6 SUITE D LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| KEITH WILLIAM BELLE3 Filed as: KEITH BELLE | 113 FLAGG FL BLD 60 LAFAYETTE, LA 70508 | CONTINENTAL AMERICAN INSURANCE COMPANY | $13 | $0 | $13 | 0.01% |
| SUSAN HOOSIER3 | 9385 HWY 88 W WARRENSVILLE, NC 28693 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | $0 | $8 | 0.01% |
| GWENDOLOYN N BUTLER3 | 1440 D OLD LENIOR ROAD HICKORY, NC 28601 | CONTINENTAL AMERICAN INSURANCE COMPANY | $7 | $0 | $7 | 0.01% |
| TERESA L SELLS3 Filed as: TERESA SELLS | PO BOX 84 WEST JEFFERSON, NC 28694 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2 | $0 | $2 | 0.00% |
| JOSEPH DUCKETT3 | 60 PERIMETER CIRCLE PLACE APT 648 ATLANTA, GA 30346 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 N PALM HARBOR, FL 34683 | COMPBENEFITS | $3K | $0 | $3K | 7.40% |
| SOZON VATIKIOTIS3 | 2965 ALT 19 PALM HARBOR, FL 34683 | COMPBENEFITS | $1K | $0 | $1K | 2.55% |
| THE JAMES B OSWALD COMPANY3 | 1100 SUPERIOR AVE, SUTIE 1500 CLEVELAND, OH 44114 | COMPBENEFITS | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $1.1M |
| ACRISURE LLC EIN 26-3554645 BROKER | Other commissions Service code 55 | — | $21K |
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 | 956 | 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) | 956 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $531K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 686 | $486K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 903 | $154K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 956 | $232K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 301 | $116K |
| Stop-loss / reinsurancereinsurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 858 | $1.3M |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 903 | $260K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 956 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.