| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SERVICES L | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.33% |
| ACRISURE LLC3 Filed as: ACRISURE INS PARTNERS SERVICES OF N | 90 S RIDGE ST RYE BROOK, NY 10573 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.00% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, LL | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $15K | $15K | 0.92% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.64% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 | 110 MAIN ST POUGHKEEPSIE, NY 12601 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 0.63% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 0.20% |
| ACRISURE LLC3 | 310 PASSAIC AVE STE 202 FAIRFIELD, NJ 07004 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 7.67% |
| MARSHALL & STERLING EMPLOYEE BENEFI3 Filed as: MARSHALL & STERLING INC | 110 MAIN ST POUGHKEEPSIE, NY 12601 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | — | $2K | 3.72% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $552 | $552 | 1.24% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS SE | 310 PASSAIC AVE SUITE 202 FAIRFIELD, NJ 07004 | GUARDIAN | $2K | $1K | $3K | 21.84% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $1.6M |
| Dental | GUARDIAN | 140 | $15K |
| Vision | GUARDIAN | 140 | $15K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 179 | $44K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 179 | $44K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 179 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.