| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 120 EAGLE ROCK AVENUE EAST HANOVER, NY 07936 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $91K | — | $91K | 20.00% |
| ASSUREDPARTNERS5 Filed as: EMERSON ROGERS | 669 RIVER DR CENTER II, SUITE 305 ELMWOOD PARK, NJ 07407 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.42% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $96 | $96 | 0.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WEAVER AND TIDWELL, LLP EIN 75-0786316 PROF. SERV. FOR REL PLANS | Accounting (including auditing) Service code 10 | — | $50K |
| DELTA DENTAL OF NJ, INC EIN 12-1896118 NONE | Contract Administrator Service code 13 | — | $39K |
| SOLSTICE EIN 27-1395245 NONE | Contract Administrator Service code 13 | — | $21K |
| PROSKAUER ROSE LLP EIN 13-1840454 PROF. SERV. FOR REL PLANS | Legal Service code 29 | — | $6K |
| MILLIMAN, INC EIN 91-0675641 PROF. 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 | 420 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 420 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 438 | $457K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 438 | $457K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 438 | $457K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.