| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | THE GUARDIAN LIFE INSURANCE COMPANY | $6K | $5K | $11K | 12.79% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $4K | $10K | 13.29% |
| ACRISURE LLC3 | 600 SYLAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $319 | $6K | 7.89% |
| MIRIAM ESPERANZA YOUNAN3 | 41 WEST 17TH ST BAYONNE, NJ 07002 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 1.41% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $453 | $625 | $1K | 1.41% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $476 | $323 | $799 | 1.05% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $369 | — | $369 | 0.48% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $228 | — | $228 | 0.30% |
| L H FINANCIAL SERVICES INC3 | 6695 HIDDEN BROOK TRL COLLEGE PARK, GA 30349 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $205 | $12 | $217 | 0.28% |
| ALEXANDRA LLANO3 | 9 ALDRED PLACE LITTLE FERRY, NJ 07643 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $138 | $33 | $171 | 0.22% |
| JUSTIN RAICES BERKEY3 | 2426 TREE ARBOR WAY MARIETTA, GA 30064 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $141 | — | $141 | 0.18% |
| ORLANDO MENDEZ3 | C/O YVONNE RODRIGUEZ GRAZIANO ORLANDO, FL 32809 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $66 | — | $66 | 0.09% |
| R J K & ASSOCIATES INC3 | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $18 | $33 | 0.04% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $25 | $2 | $27 | 0.04% |
| JASON LOUIS KOSCO3 | 31 JESSE CT MONTVILLE, NJ 07045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $13 | $23 | 0.03% |
| BENJAMIN MEHAFFEY3 | 380 OLD IVY ROAD NE ATLANTA, GA 30342 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $1 | $22 | 0.03% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $6 | $16 | 0.02% |
| SANTE CONCEPTS INC3 | 94 BARLETT WAY DALLAS, GA 30157 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.02% |
| BRYAN FISH3 Filed as: BRYAN SCHWARTZ | 211 BARTHOLF AVE POMPTON LAKES, NJ 07442 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | $5 | $15 | 0.02% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.68% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, LL | 50 BROADWAY HAWTHORNE, NY 10532 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.01% |
| ACRISURE LLC3 Filed as: ACRISURE LLD DBA ASHTON BENEFITS | 600 SYLVAN AVE STE 301 ENGLEWOOD CLFS, NJ 07632 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $116 | $2K | 13.04% |
| GA SOLUTIONS LLC3 | 50 BROADWAY STE 2 HAWTHORNE, NY 10532 | PRINCIPAL LIFE INSURANCE COMPANY | $995 | $149 | $1K | 6.93% |
| ACRISURE LLC3 | 2625 W PETERSON AVE CHICAGO, IL 60659 | PRINCIPAL LIFE INSURANCE COMPANY | — | $149 | $149 | 0.90% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $2 | $21 | 5.06% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | — | $19 | 4.58% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.72% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVE UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.48% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $78K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 124 | $86K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 118 | $17K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 118 | $17K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 193 | $77K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.