| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 PALM HARBOR, FL 34683 | BLUE CROSS BLUE SHIELD OF FLORIDA | $54K | $0 | $54K | 5.00% |
| ACRISURE LLC3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 1.67% |
| MONICA SCOTT3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE | $188 | $0 | $188 | 0.14% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | $4K | $0 | $4K | 13.87% |
| MONICA SCOTT3 | 4800 DEERWOOD CAMPUS PKWY #DC2/2 JACKSONVILLE, FL 32246 | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | $117 | $0 | $117 | 0.37% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $7K | $0 | $7K | 26.61% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.27% |
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 | 434 | 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) | 434 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF FLORIDA | 181 | $1.1M |
| Dental | FLORIDA COMBINED LIFE | 195 | $131K |
| Life insurance | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | 434 | $32K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 181 | $1.1M |
| Other(3 contracts, 2 carriers) | FLORIDA COMBINED LIFE INSURANCE COMPANY, INC | 434 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 434 | — |
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.