| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY LLC-BOUCHAR | 101 N STARCREST DR CLEARWATER, FL 33765 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $86K | — | $86K | 10.90% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA PROCO INSURANCE 910 E HAMILTON AVE, STE 410 CAMPBELL, CA 95008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 3.93% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | 2415 CAMPUS DR, STE 200 IRVINE, CA 92612 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$484 | — | -$484 | -0.06% |
| ROGER BOUCHARD INSURANCE INC3 | PO BOX 6090 CLEARWATER, FL 34618 | PRINCIPAL LIFE INSURANCE COMPANY | $15K | — | $15K | 6.52% |
| BENEFITS MATCHMAKING LLC3 Filed as: BENEFITS MATCHMAKING, LLC - SUVAUN | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | $12K | — | $12K | 5.05% |
| ACRISURE LLC3 Filed as: ACRISURE OF CALIFORNIA LLC | DBA PROCO INSURANCE SERVICES 910 E HAMILTON AVE STE 410 CAMPBELL, CA 95008 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | $5K | $11K | 4.54% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.21% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 101 TREMONTS ST, FL 11 BOSTON, MA 02108 | PRINCIPAL LIFE INSURANCE COMPANY | -$1 | — | -$1 | -0.00% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 220 | $791K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $233K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $233K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $233K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 331 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 331 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.