| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | DBA ASHTON BENEFITS 600 SYLVAN AVE STE 301 ENGLEWD CLFS, NJ 07632 | PRINCIPAL LIFE INSURANCE COMPANY | $11K | $6K | $17K | 12.12% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 WALL TOWNSHIP, NJ 07719 | PRINCIPAL LIFE INSURANCE COMPANY | — | $8K | $8K | 5.67% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.92% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | — | $3K | 8.66% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 7.36% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | — | $2K | 5.93% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W STE 645 LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $16 | $1K | 3.32% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | THE PAUL REVERE LIFE INSURANCE COMPANY | $518 | — | $518 | 1.67% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $299 | $16 | $315 | 1.01% |
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 | 276 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 171 | $93K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $144K |
| Life insurance(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $175K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $144K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 271 | $144K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 271 | — |
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.