| 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 | — | $183K | $183K | 4.42% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 8.34% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $4K | $17K | 6.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METROPOLITAN LIFE INSURANCE COMPANY | — | $9K | $9K | 3.30% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GARCEAU INSURANCE | AGENCY PO BOX 1788 GRAND RAPIDS, MI 49501 | METROPOLITAN LIFE INSURANCE COMPANY | — | $7K | $7K | 2.73% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 33629 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $951 | $15K | 9.91% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 3.62% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $5K | $5K | 3.09% |
| PROGRESSIVE UNDERWRITERS GROUP, INC3 | 7284 W PALMETTO PARK RD STE 106 BOCA RATON, FL 33433 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $12K | — | $12K | 12.00% |
| ZBOROWSKI, STEVEN3 | 162 VIA CONDADO WAY PALM BEACH GARDENS, FL 33418 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 3.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 33629 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $516 | $4K | 5.85% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.32% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 33629 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $360 | $7K | 15.87% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS | 422 WAUPONSEE ST MORRIS, IL 60450 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.38% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN, INC | PO BOX 9201 AUSTIN, TX 78766 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.00% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS INC DBA GIS COMMUNITY | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $4K | — | $4K | 12.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 33629 | UNUM INSURANCE COMPANY | $3K | $139 | $3K | 8.40% |
| GIS BENEFITS INC3 Filed as: GIS BENEFITS, INC. | 422 WAUPONSEE ST. MORRIS, IL 60450 | TRUSTMARK INSURANCE COMPANY | $8K | — | $8K | 29.25% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INSURANCE | 1317 CITIZENS BOULEVARD LEESBURG, FL 34748 | TRUSTMARK INSURANCE COMPANY | $5K | — | $5K | 18.00% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS INC DBA GIS COMMU | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $2K | — | $2K | 7.10% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 33629 | UNUM INSURANCE COMPANY | $1K | $108 | $1K | 5.14% |
| GIS OF ILLINOIS3 Filed as: GIS BENEFITS INC DBA GIS COMMU | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNUM INSURANCE COMPANY | $3K | — | $3K | 11.28% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ALLTRUST INS | 2965 ALT 19 PALM HARBOR, FL 33629 | UNUM INSURANCE COMPANY | $2K | $114 | $2K | 7.99% |
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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $4.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $260K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $260K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $212K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 95 | $42K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 209 | $104K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $326K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.