| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 5411 SKYCENTER DR. SUITE 600 TAMPA, FL 33607 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $164K | $164K | 4.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | $26 | $22K | 8.25% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 6.24% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 3.25% |
| PROGRESSIVE UNDERWRITERS GROUP, INC3 | 7284 W PALMETTO PARK RD STE 106 BOCA RATON, FL 33433 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | — | $7K | 8.79% |
| ZBOROWSKI, STEVEN3 | 162 VIA CONDADO WAY PALM BEACH GARDENS, FL 33418 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 2.20% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHEAST PARTNERS INSURAN | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $10K | $648 | $11K | 14.80% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 5.98% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 4.64% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.93% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHEAST PARTNERS INS | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $484 | $3K | 5.50% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHEAST PARTNERS IN | ATTN ACRISURE SOUTHEAST PARTN 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $402 | $5K | 14.97% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.95% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.60% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | TRUSTMARK INSURANCE COMPANY | $920 | — | $920 | 2.95% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | TRUSTMARK INSURANCE COMPANY | $301 | — | $301 | 0.96% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC DBA GIS COMMU | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $1K | — | $1K | 6.20% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHEAST PARTNER INSURANC | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $899 | $125 | $1K | 4.72% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC DBA GIS COMMUNITY | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $3K | — | $3K | 19.65% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHEAST PARTNERS INSURAN | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $2K | $138 | $2K | 13.98% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS INC DBA GIS COMMU | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $439 | — | $439 | 4.65% |
| ACRISURE LLC3 Filed as: ACRISURE SOUTHEAST PARTNERS INSURAN | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | UNUM INSURANCE COMPANY | $292 | $54 | $346 | 3.66% |
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 | 258 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 260 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 245 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $262K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 474 | $262K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $126K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 91 | $35K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 189 | $81K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 253 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 474 | — |
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."
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.