| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $35K | $0 | $35K | 4.37% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 1.57% |
| THE TARPEY GROUP, LLC3 | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 0.36% |
| BRIAN G. TARPEY3 | 1066 PINES LAKE DRIVE WEST WAYNE, NJ 07470 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.06% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $220 | $624 | $844 | 1.94% |
| INTERNL PLANNING ALL LLC3 Filed as: INTERNL PLANNING ALL, LLC | UNKNOWN GARFIELD, NJ 07026 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $56 | $0 | $56 | 0.13% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE COVE HAMPTON, NJ 08827 | AFLAC | $4K | $0 | $4K | 15.85% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | AFLAC | $3K | $0 | $3K | 11.62% |
| ENROLLEASE3 Filed as: JOSEPH CLARKE | 197 BYRAM KINGWOOD ROAD STOCKTON, NJ 08559 | AFLAC | $1K | $0 | $1K | 4.19% |
| CATHERINE SUSAN MANZIONE3 | 13 WAGNER STREET BLOOMFIELD, NJ 07003 | AFLAC | $700 | $0 | $700 | 2.64% |
| MJ INSURANCE3 Filed as: DANIEL SOTO AND VARIOUS AGENTS | 204 NATALIE DRIVE PHILLIPSBURG, NJ 08865 | AFLAC | $262 | $0 | $262 | 0.99% |
| KEVIN J NIEDERAUER3 Filed as: KEVIN J. NIEDERAUER | 22 NASHAWAY DRIVE RINGOES, NJ 08551 | AFLAC | $179 | $0 | $179 | 0.67% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $121 | $0 | $121 | 0.46% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $805K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $44K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $44K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $44K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $44K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $805K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 118 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.