| 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 | $28K | $6K | $34K | 11.36% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RPM INSURANCE | 201 EDWARD CURRY AVE SUITE 201 STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $454 | $3K | 8.13% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALENDONIA, CA 49316 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $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 | $3K | $280 | $4K | 14.73% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALENDONIA, CA 49316 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ACEC HEALTH MGU INC5 Filed as: ACEC LIFE/HEALTH TRUST | 2600 NETWORK BLVD SUITE 230 FRISCO, TX 75034 | MERITAIN HEALTH | — | $122K | $122K | — |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RPM INSYRANCE | 201 EDWARD CURRY AVE SUITE 201 STATEN ISLAND, NY 10314 | MERITAIN HEALTH | $53K | — | $53K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ACRISURE, LLC DBA RPM INSURANCE INSURANCE AGENT | Insurance brokerage commissions and fees; Other insurance fees and expenses; Insurance services; Insurance agents and brokers Service code 22 | 201 EDWARD CURRY AVENUE SUITE 201 STATEN ISLAND, NY 10314 | $60K |
| GA SOLUTIONS GENERAL AGENCY | Other insurance fees and expenses; Insurance brokerage commissions and fees; Insurance services; Insurance agents and brokers Service code 22 | 65 MECVHANIC STREET RED BANK, NJ 07701 | $28K |
| ACEC LIFE/HEALTH TRUST THRID PARTY ADMINISTRATOR | Insurance services; Other insurance fees and expenses; Recordkeeping and information management (computing, tabulating, data processing, etc.) 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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | MERITAIN HEALTH | 183 | $0 |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $299K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $299K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 276 | $64K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $299K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 284 | $299K |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 276 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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.