| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | $0 | $35K | 4.05% |
| ACRISURE LLC3 | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | HEALTH OPTIONS, INC. | $26K | $0 | $26K | 4.05% |
| VARIOUS - SEE ATTACHED5 Filed as: VARIOUS- SEE ATTACHED FOR BREAKDOWN | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $376 | $6K | 1.28% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | METROPOLITAN LIFE INSURANCE COMPANY | $47K | $0 | $47K | 11.95% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INSURANCE AGEN | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.46% |
| ACRISURE LLC3 | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | FLORIDA COMBINED LIFE | $10K | $0 | $10K | 8.26% |
| ACRISURE LLC3 | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $1K | $0 | $1K | 10.00% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA | 102 | $1.5M |
| Dental | FLORIDA COMBINED LIFE | 176 | $118K |
| Vision | BLUE CROSS BLUE SHIELD OF FLORIDA | 98 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $391K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $391K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 462 | $391K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 462 | $889K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 462 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.