| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | SUN LIFE ASSURANCE COMPANY OF CANADA | $141K | $0 | $141K | 13.48% |
| GROUP BENEFITS LTD0 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | SUN LIFE ASSURANCE COMPANY OF CANADA | $90K | $4K | $94K | 8.98% |
| ACRISURE LLC3 | 1460 US HWY 9 N SUITE 307 WOODBRIDGE, NJ 07095 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $18K | $18K | 1.71% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 PALM HARBOR, FL 34683 | SUN LIFE ASSURANCE COMPANY OF CANADA | $98K | $0 | $98K | 10.18% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MO 49546 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $18K | $18K | 1.85% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1460 US HWY 9 N SUITE 307 WOODBRIDGE, NJ 07095 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $14K | $14K | 1.50% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $50 | $50 | 12.76% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD. | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | SUN LIFE AND HEALTH INSURANCE COMPANY | $20 | $0 | $20 | 5.10% |
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 | 1,963 | 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) | 1,963 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,415 | $961K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,415 | $961K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,963 | $1.0M |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,963 | $1.0M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,963 | $1.0M |
| Other(3 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,963 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,963 | — |
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.