| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $11K | $11K | 5.20% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 4.25% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $806 | $806 | 0.39% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 5.21% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.26% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $650 | $650 | 0.96% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $22 | $22 | 0.03% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 29.80% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 24.38% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 5.50% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $112 | $112 | 0.19% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | — | $11K | 29.63% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 24.24% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.47% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $72 | $72 | 0.19% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA PRESIDIO | 55 SHUMAN BLVD., SUITE 900 NAPERVILLE, IL 60563 | EYEMED | $3K | — | $3K | 8.82% |
| BENEFIT EDUCATORS LLC3 | 1954 SUNSET RIDGE RD GLENVIEW, IL 60025 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 29.08% |
| ACRISURE LLC3 | 55 SHUMAN BLVD STE 900 NAPERVILLE, IL 60563 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 23.79% |
| PLANSOURCE BENEFITS ADMINISTRATION3 | 101 S GARLAND AVE STE 203 ORLANDO, FL 32801 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 5.37% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $53 | $53 | 0.18% |
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 | 1,276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,276 | $205K |
| Vision | EYEMED | 572 | $39K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,276 | $205K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 109 | $68K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 1,276 | $332K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,276 | — |
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.
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.