| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 16805 WEST CLEVELAND AVENUE NEW BERLIN, WI 53151 | PRUDENTIAL INSURNACE COMPANY OF AMERICA | $792K | — | $792K | 14.97% |
| DISABILITY SPECIALISTS INC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49315 | PRUDENTIAL INSURNACE COMPANY OF AMERICA | $174K | — | $174K | 3.30% |
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 | 2,760 | 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) | 2,760 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 5,374 | $32.0M |
| Dental | HUMANA INSURANCE COMPANY | 1,941 | $2.1M |
| Vision | HUMANA INSURANCE COMPANY | 1,941 | $2.1M |
| Life insurance | PRUDENTIAL INSURNACE COMPANY OF AMERICA | 3,822 | $5.3M |
| Short-term disability | PRUDENTIAL INSURNACE COMPANY OF AMERICA | 3,822 | $5.3M |
| Long-term disability | PRUDENTIAL INSURNACE COMPANY OF AMERICA | 3,822 | $5.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,374 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.