| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GROUP BENEFIT | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $30K | $171K | $200K | 4.45% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2255 GLADES RD. STE 240 W. BOCA RATON, FL 33431 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | — | $12K | 0.26% |
| ACRISURE LLC3 | 18459 PINES BLVD. #220 PEMBROKE PINES, FL 33029 | HARTFORD LIFE AND ACCIDENT | $36K | — | $36K | 14.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 3.37% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 2255 GLADES RD. STE 240 W. BOCA RATON, FL 33431 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 1.70% |
| NATIONAL AGENCY SOLUTIONS LLC3 | 7313 MERCHANT COURT SARASOTA, FL 34240 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $3K | — | $3K | 7.99% |
| SILBERSTEIN INSURANCE GROUP3 Filed as: BRUCE SILVERSTEIN | 18459 PINES BLVD. STE 220 PEMBROKE PINES, FL 33029 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $2K | — | $2K | 5.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AMERICAN PUBLIC LIFE INSURANCE COMPANY | $336 | — | $336 | 1.07% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 739 | $4.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 739 | $4.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 739 | $4.5M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 214 | $246K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $246K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 214 | $246K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 214 | $278K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 739 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.