| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $51K | $58K | 4.32% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 501 FRANKLIN AVENUE, SUITE 218 GARDEN CITY, NY 11530 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $681 | $681 | 0.05% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 16 WEST 36TH STREET, 11TH FLOOR NEW YORK, NY 10018 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $546 | $6K | 12.58% |
| A SECURE YOU INC4 Filed as: A SECURE YOU, INC. | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $244 | $0 | $244 | 16.82% |
| ACRISURE LLC4 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE SE CALEDONIA, MI 49316 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $153 | $0 | $153 | 10.54% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $1.4M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $49K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $49K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $49K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $1.4M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 171 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 190 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.