| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE | 770 KENMOOR AVENUE SE SUITE 300 GRAND RAPIDS, MI 49546 | BEAZLEY INSURANCE COMPANY INC. | $142K | $0 | $142K | 13.00% |
| RYAN GOLDBERG3 | 103-107 CHURCH STREET, SUITE 3 PHILADELPHIA, PA 19106 | BEAZLEY INSURANCE COMPANY INC. | $32K | $0 | $32K | 2.94% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET, SUITE 3 PHILADELPHIA, PA 19106 | BEAZLEY INSURANCE COMPANY INC. | $22K | $0 | $22K | 2.06% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $117K | $17K | $134K | 16.80% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 1.37% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.69% |
| ACRISURE LLC3 | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.42% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $0 | $3K | 9.22% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $0 | $241 | $241 | 0.83% |
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 | 149 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC. | 117 | $1.9M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 316 | $689K |
| Vision | VISION SERVICE PLAN | 983 | $105K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $799K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $799K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $799K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 117 | $854K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 889 | $799K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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.
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.