| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | GUARDIAN | $14K | $641 | $15K | 17.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: LASSITERWARE, LLC | 2965 ALTERNATE 19 NORTH PALM HARBOR, FL 34683 | GUARDIAN | — | $3K | $3K | 3.67% |
| ACRISURE LLC3 | DBA ALLTRUST INSURANCE 1200 MACARTHUR BLVD STE 105 MAHWAH, NJ 07430 | AMERITAS LIFE INSURANCE CORP. | $10K | — | $10K | 45.12% |
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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP. | 143 | $21K |
| Vision | AMERITAS LIFE INSURANCE CORP. | 143 | $21K |
| Life insurance | GUARDIAN | 141 | $85K |
| Short-term disability | GUARDIAN | 141 | $85K |
| Other | GUARDIAN | 141 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.