| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SERV, LLC | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | NIPPON LIFE BENEFITS | $60K | $0 | $60K | 2.67% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | NIPPON LIFE BENEFITS | $56K | $0 | $56K | 2.48% |
| PGM INSURANCE SERVICES, LLC3 | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 4.91% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 3.23% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SERV, LLC | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 1.51% |
| GA SOLUTIONS LLC3 Filed as: GA SOLUTIONS, LLC | 65 MECHANIC STREET, SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | $14K | $867 | $15K | 19.11% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SERV | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $102 | $0 | $102 | 5.00% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET, APARTMENT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 1.03% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 188 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE BENEFITS | 207 | $2.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $108K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $108K |
| Life insurance | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 113 | $78K |
| Short-term disability | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 113 | $78K |
| Long-term disability | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 113 | $78K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURNACE COMPANY OF AMERICA | 113 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 272 | — |
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.