| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 12.21% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC BDA PRM INSURANCE | 201 EDWARD CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | $644 | $8K | 8.84% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ACEC HEALTH MGU INC5 Filed as: ACEC LIFE/HEALTH TRUST | 2600 NETWORK BOULEVARD SUITE 230 FRISCO, TX 75034 | MERITAIN HEALTH | — | $81K | $81K | — |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RPM INSURANCE | 201 EDWARDS CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | MERITAIN HEALTH | $46K | — | $46K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE, LLC DBA PRM INSURANCE INSURANCE AGENT | Other insurance fees and expenses; Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services Service code 22 | 201 EDWARD CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | $53K |
| GA SOLUTIONS LLC GENERAL AGENCY | Insurance services; Other insurance fees and expenses; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | $22K |
| ACEC LIFE/HEALTH TRUST EIN 16-1264154 THIRD PARTY ADMINISTRATOR | Insurance services; Recordkeeping and information management (computing, tabulating, data processing, etc.); Other insurance fees and expenses Service code 15 | 2600 NETWORK BOULEVARD SUITE 230 FRISCO, TX 75031 | $0 |
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 | 200 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 200 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 152 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $177K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $177K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 200 | $86K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 200 | $177K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 200 | $86K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 200 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 200 | — |
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.