| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 6730 NORTH SCOTTSDALE ROAD SUITE 285 SCOTTSDALE, AZ 85253 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $2K | $20K | 8.07% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61187 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 2.73% |
| BEAL INSURANCE3 | 6730 NORTH SCOTTSDALE ROAD SUITE 285 SCOTTSDALE, AZ 85253 | AVESIS INSURANCE INCORPORATED | $3K | $0 | $3K | 8.55% |
| USI INSURANCE SERVICES LLC3 | 10940 WHITE ROCK ROAD, 2ND FLOOR RANCHO CORDOVA, CA 95670 | AVESIS INSURANCE INCORPORATED | $553 | $0 | $553 | 1.43% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 6730 NORTH SCOTTSDALE ROAD SUITE 285 SCOTTSDALE, AZ 85253 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $2K | $4K | 14.40% |
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 | 436 | 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) | 436 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 436 | $249K |
| Vision | AVESIS INSURANCE INCORPORATED | 583 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 370 | $29K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 370 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 583 | — |
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."
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.