| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 120 EAGLE ROCK AVE, SUITE 195 EAST HANOVER, NJ 07936 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $211K | $3K | $213K | 76.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE BLUE CROSS BLUE SHEILD EIN 23-7391136 NONE | Claims processing; Contract Administrator; Float revenue; Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $2.0M |
| GUARDIAN LIFE INSURANCE CO EIN 13-5123390 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $279K |
| MANNING & NAPIER ADVISORS INC. EIN 16-0995736 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $186K |
| M.D. SASS ASSOCIATES INC. EIN 13-2704843 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $176K |
| SNOW CAPITAL MANAGEMENT LLC EIN 25-1894430 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $105K |
| JOSEPH M. STERN, CPA EIN 11-2767324 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $84K |
| J.P. MORGAN INVESTMENT MANAGEMENT EIN 13-3200244 NONE | Investment management; Investment management fees paid directly by plan; Investment advisory (plan) Service code 27 | — | $82K |
| COLLERAN, O'HARA AND MILLS EIN 11-2326314 NONE | Legal; Direct payment from the plan Service code 29 | — | $76K |
| THE SEGAL COMPANY INC EIN 13-1835864 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $75K |
| PATRICK DOHERTY EIN 13-6178513 EMPLOYEE | Employee (plan); Recordkeeping fees Service code 30 | — | $70K |
| MARK NARDELLA EIN 13-6178513 NONE | Employee (plan); Recordkeeping fees Service code 30 | — | $69K |
| DENNIS LUSARDI II EIN 13-6178512 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $67K |
| ROBERT MAGUIRE EIN 13-6178513 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $66K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $53K |
| WILLIAM SHUZMAN, PC EIN 13-3386674 NONE | Legal; Direct payment from the plan Service code 29 | — | $47K |
| MISSOURI VALLEY PARTNERS EIN 43-1898506 NONE | Investment management fees paid directly by plan; Direct payment from the plan Service code 50 | — | $40K |
| ELLYN MINKS EIN 13-6178513 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $31K |
| VANYA WEST EIN 13-6178513 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $27K |
| BARBARA ARMSTRONG EIN 13-6178513 EMPLOYEE | Employee (plan); Recordkeeping fees Service code 30 | — | $27K |
| ROSEMARY LUIZZI EIN 13-6178513 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $26K |
| EVELYN RODRIGUEZ EIN 13-6178513 EMPLOYEE | Recordkeeping fees; Employee (plan) Service code 30 | — | $25K |
| BANK OF NEW YORK EIN 13-5160382 NONE | Direct payment from the plan; Custodial (securities) Service code 19 | — | $22K |
| INNOVATIVE SOFTWARE SOLUTIONS EIN 23-2182079 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $21K |
| MORGAN STANLEY SMITH BARNEY EIN 26-4310632 NONE | Direct payment from the plan; Other investment fees and expenses Service code 50 | — | $10K |
| ROGER E. MAHER NONE | Legal; Direct payment from the plan Service code 29 | 23 83RD STREET BROOKLYN, NY 11209 | $10K |
| REJUS SKEIRIS NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | 3311 82ND ST, APT 52 JACKSON HEIGHTS, NY 11372 | $9K |
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 | 2,023 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 540 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 2,563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 2,236 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,236 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.