| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACRISURE, LLC | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 16.46% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | DELTA DENTAL PLAN OF ARKANSAS | $8K | — | $8K | 9.96% |
| ACRISURE LLC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 22.48% |
| ACRISURE LLC3 | 310 LOUISIANA ST LITTLE ROCK, AR 72201 | DELTA VISION PLAN OF ARKANSAS | $4K | — | $4K | 19.93% |
| ACRISURE LLC | 100 OTTAWA AVE GRAND RAPIDS, MI 49501 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 22.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Float revenue; Contract Administrator; Named fiduciary; Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Participant communication Service code 12 | — | $0 |
| CIGNA HEALTHY REWARDS VENDORS EIN 59-1031071 | Non-monetary compensation; Other services; Float revenue; Participant communication; Contract Administrator; Direct payment from the plan; Named fiduciary; Claims processing Service code 12 | AMPLIFON HEARING HEALTHCARE 150 SOUTH 5TH STREET SUITE 2300 MINNEAPOLIS, MN 55402 | $0 |
| OMADA COMPLETE EIN 45-2355015 | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | 500 SANSOME ST #200 SAN FRANCISCO, CA 94111 | $0 |
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 | 195 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $379K |
| Dental | DELTA DENTAL PLAN OF ARKANSAS | 211 | $79K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 184 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 211 | — |
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.