| 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 | $23K | $6K | $29K | 13.10% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RPM INSURANCE | 201 EDWARD CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $173 | $2K | 9.32% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | FIRST UNUM LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RPM INSURANCE | 201 EDWARD CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $230 | $2K | 18.54% |
| 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 | — | $90K | $90K | — |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RPM INSURANCE | 201 EDWARDS CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | MERITAIN HEALTH | $45K | — | $45K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE, LLC DBA PRM INSURANCE INSURANCE AGENT | Insurance brokerage commissions and fees; Other insurance fees and expenses; Insurance agents and brokers; Insurance services Service code 22 | 201 EDWARD CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | $50K |
| GA SOLUTIONS LLC GENERAL AGENCY | Other insurance fees and expenses; Insurance agents and brokers; Insurance brokerage commissions and fees; Insurance services Service code 22 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | $29K |
| ACEC LIFE/HEALTH TRUST EIN 16-1264154 THIRD PARTY ADMINISTRATOR | Recordkeeping and information management (computing, tabulating, data processing, etc.); Other insurance fees and expenses; Insurance services 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 | 219 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 219 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 157 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $223K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $223K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 208 | $37K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $223K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $248K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 208 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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.