| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 2150 S. CENTRAL EXPRESSWAY STE 280 MCKINNEY, TX 75070 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $11K | $52K | 13.31% |
| LUKE GRIZZAFFI3 Filed as: LUKE M GRIZZAFFI | 321 S DIXON ST GAINSVILLE, TX 76240 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 1.94% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA GDP ADVISORS | 2150 S CENTRAL EXPY STE 280 MCKINNEY, TX 75070 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $259K |
| ACRISURE LLC DBA GDP ADVISORS EIN 26-3554645 BROKER | Other commissions Service code 55 | — | $79K |
| ACRISURE TX RISK ADV & INS SERV EIN 88-4398914 BROKER | Other commissions Service code 55 | — | $16K |
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 | 258 | 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) | 258 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $387K |
| Vision | VISION SERVICE PLAN | 171 | $42K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $387K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $387K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $387K |
| Stop-loss / reinsurancereinsurance | TOKIO MARINE | 256 | $671K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 274 | $387K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.