| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE DBA ALL TRUST | 8430 ENTERPRISE CIRCLE SUITE 110 BRADENTON, FL 34202 | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS | $30K | — | $30K | 4.00% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IA 604502215 | EQUITABALE FINANCIAL LIFE INSURANCE CO | — | $4K | $4K | 6.08% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | EQUITABALE FINANCIAL LIFE INSURANCE CO | — | $1K | $1K | 2.10% |
| HOME OFFICE TPA PAYS COMMISSION3 Filed as: HOME OFFICE/DID NOT SPECIFY | 475 FALLBROOK BLVD LINCOLN, NE 685219033 | AMERITAS LIFE INSURANCE CORP | $5K | — | $5K | 13.02% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 8430 ENTERPRISE CIRCLE SUITE 110 BRADENTON, FL 34202 | USABLE LIFE | $685 | — | $685 | 6.01% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 20.28% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $453 | $94 | $547 | 6.11% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $453 | $453 | 5.06% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $86 | $86 | 0.96% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 19.42% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $292 | $61 | $353 | 5.87% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $292 | $292 | 4.86% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.88% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $633 | $2 | $635 | 19.06% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $158 | $35 | $193 | 5.79% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $158 | $158 | 4.74% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.78% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $370 | — | $370 | 20.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $92 | $21 | $113 | 6.11% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $92 | $92 | 4.98% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.92% |
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 | 133 | 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) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 2 carriers) | BLUE CROSS BLUE SHIELD OF FLORIDA/HEALTH OPTIONS | 95 | $775K |
| Dental | AMERITAS LIFE INSURANCE CORP | 198 | $40K |
| Vision | EQUITABALE FINANCIAL LIFE INSURANCE CO | 133 | $61K |
| Life insurance(2 contracts, 2 carriers) | EQUITABALE FINANCIAL LIFE INSURANCE CO | 133 | $72K |
| Short-term disability | EQUITABALE FINANCIAL LIFE INSURANCE CO | 133 | $61K |
| Long-term disability | EQUITABALE FINANCIAL LIFE INSURANCE CO | 133 | $61K |
| Other | USABLE LIFE | 133 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.