| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $253K | $0 | $253K | 3.49% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | DELTA DENTAL OF NJ, INC. | $11K | $0 | $11K | 1.74% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $69K | $0 | $69K | 15.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | HM LIFE INSURANCE COMPANY | $7K | $0 | $7K | 10.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | FOUR EVER LIFE INS. CO. | $4K | $0 | $4K | 8.00% |
| CAPTIAL BLUE CROSS0 | 2500 ELMERTON AVE. HARRISBURG, PA 17110 | FOUR EVER LIFE INS. CO. | $0 | $2K | $2K | 4.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | FOUR EVER LIFE INS. CO. | $1K | $0 | $1K | 14.99% |
| CAPITAL BLUE CROSS0 | 2500 ELMERTON AVE HARRISBURG, PA 17110 | FOUR EVER LIFE INS. CO. | $0 | $307 | $307 | 4.01% |
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 | 640 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 640 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | FOUR EVER LIFE INS. CO. | 10 | $52K |
| Dental | DELTA DENTAL OF NJ, INC. | 638 | $638K |
| Vision | HM LIFE INSURANCE COMPANY | 572 | $68K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 691 | $462K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 691 | $462K |
| Prescription drug | CAPITAL ADVANTAGE ASSURANCE COMPANY | 640 | $7.3M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 691 | $462K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 691 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.