| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1265 DRUMMERS LANE, SUITE 300 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 6.43% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATION LLC | PO BOX 818 CARLSTADT, NJ 07072 | HARTFORD LIFE AND ACCIDENT | $370 | $0 | $370 | 0.19% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 200 NORTH WARNER ROAD, SUITE 450A KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF NEW JERSEY, INC. | $361 | $0 | $361 | 0.29% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 10.59% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1265 DRUMMERS LANE, SUITE 300 WAYNE, PA 19087 | ARMADACARE | $113 | $0 | $113 | 1.00% |
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 | 259 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 259 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ARMADACARE | 1 | $11K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 366 | $135K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 332 | $40K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 259 | $191K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 259 | $191K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 259 | $191K |
| Other | HARTFORD LIFE AND ACCIDENT | 259 | $191K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.