| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 5664 PRAIRIE CREEK DR SE PO BOX 1788 CALEDONIA, MI 49316 | USABLE LIFE | $4K | — | $4K | 15.10% |
| ACRISURE LLC3 | 123 S BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $3K | — | $3K | 9.91% |
| CHRISTOPHER SHUMAKE3 | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $276 | — | $276 | 0.93% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 5664 PRAIRIE CREEK DR SE PO BOX 1788 CALEDONIA, MI 49316 | USABLE LIFE | $4K | — | $4K | 14.53% |
| ACRISURE LLC3 | 123 S BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $3K | — | $3K | 10.47% |
| CHRISTOPHER SHUMAKE3 | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $358 | — | $358 | 1.23% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA THE HATCHER AGENCY | 5664 PRAIRIE CREEK DR SE PO BOX 1778 CALEDONIA, MI 49316 | USABLE LIFE | $418 | — | $418 | 14.87% |
| ACRISURE LLC3 | 123 S BROAD STREET SUITE 830 PHILADELPHIA, PA 19109 | USABLE LIFE | $285 | — | $285 | 10.14% |
| CHRISTOPHER SHUMAKE3 | 3405 WOODRIDGE DRIVE TEXARKANA, TX 75503 | USABLE LIFE | $26 | — | $26 | 0.92% |
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 | 344 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 344 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | USABLE LIFE | 112 | $30K |
| Long-term disability | USABLE LIFE | 344 | $29K |
| Other | USABLE LIFE | 149 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.