| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAUSER INC3 | 5905 E GALBRAITH RD STE 9000 CINCINNATI, OH 45236 | GUARDIAN | $124K | — | $124K | 9.16% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & INSU | 1303 SUNSET AVE CHICO, CA 95926 | GUARDIAN | $56K | $5K | $62K | 4.55% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 63122 | GUARDIAN | $28K | — | $28K | 2.07% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & INSU | 100 OTTAWA AVE STE 200 GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 4.67% |
| ROGERS BENEFIT GROUP INC3 | 5110 N. 40TH ST STE 234 PHOENIX, AZ 85018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 1.67% |
| ACRISURE LLC3 Filed as: ACRISURE TEXAS RISK ADVISORS & INSU | 100 OTTAWA AVE STE 200 GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 0.66% |
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 | 1,113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 77 | $794K |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 1,292 | $2.2M |
| Vision(2 contracts, 2 carriers) | GUARDIAN | 1,292 | $2.2M |
| Life insurance | GUARDIAN | 1,292 | $1.4M |
| Short-term disability | GUARDIAN | 1,292 | $1.4M |
| Long-term disability | GUARDIAN | 1,292 | $1.4M |
| Other | GUARDIAN | 1,292 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,292 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.