| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ASHSTON BENEFITS | 600 SYLVAN SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | NIPPON LIFE BENEFITS | $102K | — | $102K | 5.88% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.14% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4K | — | $4K | 11.98% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $222 | $24 | $246 | 0.79% |
| MCO PARTNERS LLC3 | 6 ELM ST MADISON, NJ 07940 | THE PAUL REVERE LIFE INSURANCE COMPANY | $198 | $4 | $202 | 0.65% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | — | $110 | 0.35% |
| BRAD BIEL3 | 1050 WALL ST W LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $44 | $1 | $45 | 0.14% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.07% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $327 | $1K | 17.21% |
| WAG NY INC3 | 355 LEXINGTON AVE NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.13% |
| ACRISURE LLC3 | 600 SYLVAN SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | STANDARD SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $784 | — | $784 | 17.99% |
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 | 151 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE BENEFITS | 119 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $69K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 192 | $69K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 16 | $8K |
| Other(3 contracts, 3 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 169 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.