| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE BERENGUER | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | AETNA LIFE INSURANCE CO. | $20K | $29K | $49K | 1.99% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE BERENGUER | GROUP 104 CRANDON BLVD. STE. 309 KEY BISCAYNE, FL 33149 | PROSPERITY LIFE GROUP | $53K | — | $53K | 12.00% |
| ACRISURE LLC3 | 104 CRANDON BLVD SUITE 309 KEY BISCAYNE, FL 33149 | HARTFORD LIFE AND ACCIDENT | $22K | — | $22K | 15.00% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DR URBANDALE, IA 50323 | HARTFORD LIFE AND ACCIDENT | — | $14K | $14K | 9.20% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $2K | $2K | 1.16% |
| ACRISURE LLC3 | DBA THE BERENGUER GROUP KEY BISCAYNE, FL 33146 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12K | $8K | $20K | 22.78% |
| WENDOLYN ISOLA3 | 9271 CARIBBEAN BLVD CUTLER BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $3K | $12K | 13.72% |
| JANET IBANEZ3 | 17501 SW 92ND CT PALMETTO BAY, FL 33157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 4.49% |
| CHERYL ANN HERNANDEZ3 | 833 SW CURRY ST PORT ST LUCIE, FL 34983 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 3.85% |
| MARIA E GADEA3 Filed as: MARIA ELIZABETH GADEA | 4385 NORTHWEST 116TH AVE BORAL, FL 33178 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $375 | $2K | 2.12% |
| MIGDALIA BURGOS3 | 16774 NW 90TH AVE MIAMI LAKES, FL 33018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $28 | $2K | 2.04% |
| MARIROSY GONZALEZ3 | 2200 SW 4TH AVE MIAMI, FL 33129 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $50 | $2K | 1.88% |
| CHRISTINA BIEBER3 | 12827 WOODMILL DR PALM BEACH GARDENS, FL 33418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 0.11% |
| MIS BENEFITS CONSULTANTS INC3 | 401 SW 4 AVENUE FT. LAUDERDALE, FL 33315 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $65 | — | $65 | 0.08% |
| IRENE SHULGIN3 | 503 BRIANS WAY AUGUSTA, GA 30907 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9 | — | $9 | 0.01% |
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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 472 | $2.5M |
| Dental | AETNA LIFE INSURANCE CO. | 472 | $2.5M |
| Vision | AETNA LIFE INSURANCE CO. | 472 | $2.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 149 | $148K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $148K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 149 | $148K |
| Other(3 contracts, 3 carriers) | PROSPERITY LIFE GROUP | 274 | $676K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 472 | — |
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.