| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MA 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $68K | $182K | $250K | 4.46% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $142 | $142 | 0.00% |
| ACRISURE LLC3 | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $38K | $0 | $38K | 16.70% |
| MARK F BAILEY3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.51% |
| MFB FINANCIAL DBA THE BAILEY GROUP3 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.70% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $27K | $5K | $31K | 21.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 20.57% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $21K | $5K | $26K | 23.06% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $5K | $15K | 24.46% |
| MICHAEL PARKER3 | 1776 AMERICAN HERITAGE LIFE DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | $0 | $4K | 6.82% |
| ACRISURE LLC3 Filed as: ACRISURE | 2965 ALT 19 PALM HARBOR, FL 34683 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.54% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $8K | $5K | $13K | 29.08% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $5K | $7K | 48.49% |
| MFB FINANCIAL DBA THE BAILEY GROUP4 | 1200 PLANTATION ISLAND DRIVE S STE 210 SAINT AUGUSTINE, FL 32080 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $2K | $0 | $2K | 14.48% |
| ACRISURE LLC3 Filed as: ACRISURE | 5664 PRARIE CREEK DRIVE SE CALEDONIA, MI 49316 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $1K | $0 | $1K | 11.09% |
| MATT CASTO4 | 7365 TREELINE DRIVE SE GRAND RAPIDS, MO 49546 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $397 | $0 | $397 | 3.06% |
| CHARLES B ZITSMAN4 Filed as: CHARLES B. ZITSMAN | 3521 KINGS ROAD S SAINT AUGUSTINE, FL 32086 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $205 | $0 | $205 | 1.58% |
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 | 769 | 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) | 769 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,234 | $5.6M |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 769 | $186K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 423 | $162K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 214 | $156K |
| Other(5 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 769 | $487K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,234 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.