| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 8430 ENTERPRISE CIRCLE SUITE 11 LAKEWOOD RANCH, FL 34202 | HEALTH OPTIONS, INC. | $42K | $0 | $42K | 6.00% |
| ACRISURE LLC3 Filed as: ACRISURE | 8430 ENTERPRISE CIRCLE SUITE 11 LAKEWOOD RANCH, FL 34202 | BLUE CROSS BLUE SHIELD OF FLORIDA | $35K | $0 | $35K | 6.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 2965 ALT 19 PALM HARBOR, FL 34683 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $4K | $17K | 22.04% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | FLORIDA COMBINED LIFE | $2K | $0 | $2K | 3.15% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | USABLE LIFE | $8K | $0 | $8K | 21.82% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $402 | $0 | $402 | 1.16% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | USABLE LIFE | $6K | $0 | $6K | 21.90% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $299 | $0 | $299 | 1.16% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | USABLE LIFE | $2K | $0 | $2K | 14.15% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $176 | $0 | $176 | 1.16% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 8430 ENTERPRISE CIRCLE SUITE 110 LAKEWOOD RANCH, FL 34202 | USABLE LIFE | $217 | $0 | $217 | 22.91% |
| BLUE CROSS BLUE SHIELD OF FLORIDA3 | 4800 DEERWOOD CAMPUS PARKWAY #DC2/2 JACKSONVILLE, FL 32246 | USABLE LIFE | $11 | $0 | $11 | 1.16% |
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 | 128 | 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) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HEALTH OPTIONS, INC. | 50 | $1.3M |
| Dental | FLORIDA COMBINED LIFE | 95 | $55K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 98 | $79K |
| Life insurance | USABLE LIFE | 128 | $15K |
| Short-term disability | USABLE LIFE | 47 | $35K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF FLORIDA | 47 | $578K |
| Other(4 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 128 | $121K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 128 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.