| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 25900 WEST ELEVEN MILE RD SOUTHFIELD, MI 48034 | GUARDIAN | $27K | $6K | $33K | 13.02% |
| ACRISURE LLC3 | PO BOX 2038 GLENVIEW, IL 60025 | GUARDIAN | $7K | $430 | $7K | 2.79% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD ROAD SUITE 300 KIRKWOOD, MO 63122 | GUARDIAN | $2K | $0 | $2K | 0.69% |
| ACRISURE LLC4 Filed as: ACRISURE GREAT LAKES PARTNERS | 223 W GRAND RIVER AVE STE 1 HOWELL, MI 48843 | LEGALSHEILD | $736 | $0 | $736 | 13.52% |
| CROUSE COMPANY LLC4 Filed as: CROUSE COMPANY | 601 REDLEAF RIDGE CIRCLE NASHVILLE, TN 372116936 | LEGALSHEILD | $727 | $0 | $727 | 13.35% |
| CAP STEWART4 | 5701 WALDEN WOODS CT KNOXVILLE, TN 379213363 | LEGALSHEILD | $520 | $0 | $520 | 9.55% |
| LOCKTON COMPANIES, LLC4 Filed as: LOCKTON COMPANIES LLC | 444 W 47TH ST STE 900 KANSAS CITY, MO 641121906 | LEGALSHEILD | $53 | $0 | $53 | 0.97% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA VCG CONSULTANTS | 3350 RIVERWOOD PARKWAY SUITE 600 ATLANTA, GA 30339 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 69.02% |
| LOCKTON COMPANIES, LLC3 | 500 W MONROE ST #3400 CHICAGO, IL 60661 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $169 | $0 | $169 | 8.02% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 213 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 206 | $250K |
| Vision | GUARDIAN | 206 | $250K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 206 | $252K |
| Short-term disability | GUARDIAN | 206 | $250K |
| Long-term disability | GUARDIAN | 206 | $250K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 206 | $257K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.