| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARLISLE-CORRIGAN BENEFITS LLC3 | 500 N WATER STE 900 CORPUS CRISTI, TX 75401 | AMERITAS LIFE INSURANCE CORP | $8K | — | $8K | 4.38% |
| CARLISLE-CORRIGAN BENEFITS LLC3 | PO BOX 3030 ALICE, TX 783333030 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 7.85% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CARLISLE-CORRIGAN | 500 N WATER ST STE 900 CORPUS, TX 784010234 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 4.92% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INS AGENCY | PO BOX 1788 GRAND RAPIDS, MI 495011788 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $882 | $882 | 0.85% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 629 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AMERITAS LIFE INSURANCE CORP | 629 | $177K |
| Vision | AMERITAS LIFE INSURANCE CORP | 629 | $177K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $104K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $104K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 369 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 629 | — |
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.