| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE | 700 KENMOOR AVENUE SE, SUITE 300 GRAND RAPIDS, MI 49546 | BEAZLEY INSURANCE COMPANY INC. | $136K | $0 | $136K | 13.00% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET, UNIT 3 PHILADELPHIA, PA 19106 | BEAZLEY INSURANCE COMPANY INC. | $52K | $0 | $52K | 5.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY, SUITE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $128K | $19K | $147K | 15.59% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $4K | $14K | 1.88% |
| ACRISURE LLC3 Filed as: ACRISURE | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.65% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | $174 | $3K | 10.96% |
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 | 2,416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,421 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BEAZLEY INSURANCE COMPANY INC. | 1,623 | $1.0M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,017 | $757K |
| Vision | VISION SERVICE PLAN | 1,036 | $105K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 805 | $943K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 805 | $943K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 805 | $943K |
| Other(2 contracts, 2 carriers) | BEAZLEY INSURANCE COMPANY INC. | 1,623 | $2.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,017 | — |
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.