| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA/ALLTRUS | 8430 ENTERPRISE CIR STE 110 LAKEWOOD RANCH, FL 34202 | HEALTH OPTIONS | $11K | — | $11K | 4.16% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN LLC | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | AMERITAS LIFE INSURANCE CORP | $3K | — | $3K | 6.19% |
| ACRISURE LLC3 | 1200 MACARTHUR BLVD STE 105 MAHWAH, NJ 07430 | AMERITAS LIFE INSURANCE CORP | $2K | — | $2K | 3.81% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | AMERITAS LIFE INSURANCE CORP | $952 | — | $952 | 2.12% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRYSTYN SHERMAN LLC | 4915 W CYPRESS ST STE 100 TAMPA, FL 33607 | EQUITABALE FINANCIAL LIFE INSURANCE CO | $3K | — | $3K | 5.93% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | EQUITABALE FINANCIAL LIFE INSURANCE CO | $1K | — | $1K | 3.38% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | EQUITABALE FINANCIAL LIFE INSURANCE CO | $150 | — | $150 | 0.35% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PKWY # DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $791 | — | $791 | 6.09% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 Filed as: BALDWIN KRUSTYN SHERMAN PARTNERS | 9140 CORSEA DEL FONTANA WAY BLDG 11 NAPLES, FL 34109 | USABLE LIFE | $722 | — | $722 | 5.55% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 8430 ENTERPRISE CIRCLE SUITE 110 BRADENTON, FL 34202 | USABLE LIFE | $355 | — | $355 | 2.73% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALL TRUST | 8430 ENTERPRISE CIRCLE SUITE 110 BRADENTON, FL 34202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $322 | — | $322 | 4.22% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 15.70% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $342 | $37 | $379 | 5.66% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $342 | $342 | 5.11% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $316 | $4 | $320 | 4.78% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $32 | $32 | 0.48% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $585 | $11 | $596 | 10.97% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $451 | — | $451 | 8.30% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $259 | $52 | $311 | 5.72% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $259 | $259 | 4.77% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $26 | $26 | 0.48% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $959 | — | $959 | 22.33% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $272 | $22 | $294 | 6.85% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON CHAPMAN BENEFITS ADMINISTRATOR | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $272 | $272 | 6.33% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $129 | $2 | $131 | 3.05% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $34 | $34 | 0.79% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ALLTRUST INSURANCE | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 491368081 | METROPOLITAN LIFE INSURANCE COMPANY | $646 | — | $646 | 18.53% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $173 | $11 | $184 | 5.28% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 787669201 | METROPOLITAN LIFE INSURANCE COMPANY | — | $173 | $173 | 4.96% |
| BALDWIN KRYSTYN SHERMAN PARTNERS3 | 4211 W BOY SCOUT BLVD STE 800 TAMPA, FL 33607 | METROPOLITAN LIFE INSURANCE COMPANY | $47 | $1 | $48 | 1.38% |
| ACRISURE LLC3 Filed as: ACRISURE DBA GARCEAU INS | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | — | $15 | $15 | 0.43% |
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)(6 contracts, 3 carriers) | HEALTH OPTIONS | 72 | $287K |
| Dental | AMERITAS LIFE INSURANCE CORP | 156 | $45K |
| Vision | EQUITABALE FINANCIAL LIFE INSURANCE CO | 121 | $43K |
| Life insurance | USABLE LIFE | 109 | $13K |
| Short-term disability | EQUITABALE FINANCIAL LIFE INSURANCE CO | 121 | $43K |
| Long-term disability | EQUITABALE FINANCIAL LIFE INSURANCE CO | 121 | $43K |
| Other | USABLE LIFE | 109 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.