| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 669 RIVER DR CTR II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $14K | $7K | $21K | 30.13% |
| ACRISURE LLC Filed as: ACRISURE, LLC | 120 EAGLE ROCK AVE SUITE 195 EAST HANOVER, NJ 07936 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | — | $4K | 8.88% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEAVER AND TIDWELL, LLP EIN 75-0786316 PERF. SERV. FOR REL PLANS | Accounting (including auditing) Service code 10 | — | $48K |
| DELTA DENTAL OF NJ, INC EIN 12-1896118 NONE | Contract Administrator Service code 13 | — | $38K |
| SOLSTICE EIN 27-1395245 NONE | Contract Administrator Service code 13 | — | $21K |
| MILLIMAN, INC EIN 91-0675641 PERF. SERV. FOR REL PLANS | Actuarial Service code 11 | — | $6K |
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 | 438 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 438 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 393 | $69K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 393 | $69K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 393 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 393 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.