| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 1265 DRUMMERS LANE SUITE 300 WAYNE, PA 19087 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 9.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$25 | $0 | -$25 | -0.03% |
| ACRISURE LLC3 Filed as: ACRISUYRE LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 4.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE, LLC DBA DOYLE ALLIANCE GR EIN 26-3554645 BROKER | Insurance agents and brokers Service code 22 | — | $83K |
| THE BENECON GROUP EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $31K |
| CONNECTCARE3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $11K |
| MERITAIN HEALTH, AN AETNA COMPANY EIN 16-1264154 CARRIER | Claims processing Service code 12 | — | $9K |
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 | 185 | 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) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $98K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $98K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $60K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $60K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $60K |
| Stop-loss / reinsurancereinsurance | FAIR AMERICAN INSURANCE AND REINSURANCE COMPANY | 185 | $374K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.