| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HNI RISK SERVICES3 Filed as: HNI RISK SERVICES LLC | P.O. BOX 51087 NEW BERLIN, WI 53151 | UNITEDHEATLHCARE INSURANCE COMPANY | $12K | — | $12K | 7.02% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HNI RISK SERVICES | 16805 W, CLEVELAND AVE NEW BERLIN, WI 531513532 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 24.27% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 503232317 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 6.07% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $322 | $322 | 0.97% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A HNI RISK SERVICE | — | UNITED HEALTHCARE INSURANCE CO | $3K | — | $3K | 10.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | P.O. BOX 1788 GRAND RAPIDS, MI 495011788 | VISION SERVICE PLAN | $1K | — | $1K | 4.93% |
| GROUP BENEFITS LTD3 Filed as: GROUP BENEFITS, LTD | — | VISION SERVICE PLAN | $1K | — | $1K | 4.01% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A HNI RISK SERVICE | — | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 23.71% |
| GROUP BENEFITS LTD3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 5.93% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $184 | $184 | 0.98% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A HNI RISK SERVICE | — | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 22.95% |
| GROUP BENEFITS LTD3 | — | METROPOLITAN LIFE INSURANCE COMPANY | $584 | — | $584 | 5.74% |
| ACRISURE LLC3 Filed as: ACRISURE LLC D/B/A GARCEAU INSURANC | — | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 0.84% |
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 | 269 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 279 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 414 | $62K |
| Vision | VISION SERVICE PLAN | 230 | $26K |
| Life insurance | UNITEDHEATLHCARE INSURANCE COMPANY | 310 | $175K |
| Short-term disability | UNITEDHEATLHCARE INSURANCE COMPANY | 310 | $175K |
| Long-term disability | UNITEDHEATLHCARE INSURANCE COMPANY | 310 | $175K |
| Other(2 contracts, 2 carriers) | UNITEDHEATLHCARE INSURANCE COMPANY | 310 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 414 | — |
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.