| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE INS. SVCS. OF NY, LLC | 90 SOUTH RIDGE STREET RYE BROOK, NY 10573 | UNITEDHEALTHCARE INSURANCE COMPANY | $17K | $0 | $17K | 2.26% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTNRS. INS. SVCS., LLC | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 1.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 1.65% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 1.21% |
| BRIAN G. TARPEY3 | 1066 PINES LAKE DRIVE WEST WAYNE, NJ 07470 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.92% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS SE | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $358 | $0 | $358 | 0.73% |
| UNKNOWN3 | UNKNOWN GARFIELD, NJ 07026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $163 | $163 | 0.33% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE COVE HAMPTON, NJ 08827 | AFLAC | $1K | $289 | $1K | 6.84% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | AFLAC | $602 | $0 | $602 | 2.84% |
| ACRISURE LLC3 Filed as: ACRISURE INS. SVCS. OF NY, LLC | 90 SOUTH RIDGE STREET RYE BROOK, NY 10573 | AFLAC | $533 | $0 | $533 | 2.52% |
| ENROLLEASE3 Filed as: JOSEPH CLARKE | 197 BYRAM KINGWOOD ROAD STOCKTON, NJ 08559 | AFLAC | $274 | $95 | $369 | 1.74% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GRP., INC. & OTH. AGTS. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $237 | $113 | $350 | 1.65% |
| DANIEL SOTO3 | 204 NATALIE DRIVE PHILLIPSBURG, NJ 08865 | AFLAC | $225 | $0 | $225 | 1.06% |
| KEVIN J NIEDERAUER3 Filed as: KEVIN J. NIEDERAUER | 22 NASHAWAY DRIVE RINGOES, NJ 08551 | AFLAC | $90 | $0 | $90 | 0.43% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $758K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $49K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $49K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $49K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $49K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 123 | $758K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 127 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.