| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 5.00% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 2.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.03% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, LL | 50 BROADWAY HAWTHORNE, NY 10532 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.72% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY, 2ND FL HAWTHORNE, NY 10532 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $1K | $1K | 1.85% |
| ACRISURE LLC3 | 600 SYLAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $1K | $10K | 14.70% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $5K | $7K | 10.24% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $4K | $6K | 9.86% |
| B V STONE INC3 Filed as: BV STONE INC | 5470 TECHNOLOGY PARKWAY BRASELTON, GA 30517 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $242 | $3K | 4.81% |
| MARIA MULLER3 | 495 WINDEMERE AVE MT ARLINGTON, NJ 07856 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $1K | $3K | 4.58% |
| MCO PARTNERS LLC3 | 6 ELM ST MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $791 | — | $791 | 1.20% |
| RJK & ASSOCIATES INC3 | 1800 PEACHTREE STREET NW ATLANTA, GA 30309 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $438 | $293 | $731 | 1.11% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $298 | — | $298 | 0.45% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29702 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | $158 | $171 | 0.26% |
| ELIZABETH HERNANDEZ3 | 245 W 72ND STREET NEW YORK, NY 10023 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $169 | — | $169 | 0.26% |
| ALEXANDRA LLANO3 | 9 ALDRED PLACE LITTLE FERRY, NJ 07643 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.01% |
| ADVANCED BENEFIT SYSTEM INC3 | 145 RIVER LANDING DRIVE DANIEL ISLAND, SC 29492 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | $1 | $2 | 0.00% |
| SHEALY BENEFITS SERVICES INC3 | 215 HOGAN WAY LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BRIAN JULIAN HAIR3 | 11 FALBROOK COURT IRMO, SC 29063 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ASHTON BENEFITS | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 6.86% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | THE GUARDIAN LIFE INSURANCE COMPANY | $5K | $859 | $5K | 17.50% |
| WAG NY INC3 | 250 CROSSWAYS PK DR WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY | $46 | — | $46 | 0.15% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 3.54% |
| MCO PARTNERS LLC3 Filed as: MCO PARTNERS | 6 ELM ST MADISON, NJ 07940 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 2.36% |
| YOLANDA TRISTANCHO-HELWIG3 Filed as: YOLANDA TRISTANCHO- HELWIG | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 1.18% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.79% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 19 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 54 | $504K |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $106K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 207 | $74K |
| Life insurance(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $101K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 95 | $66K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 65 | $35K |
| Other(4 contracts, 4 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 105 | $132K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.