| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | DBA CLG INSURANCE PO BOX 1788 GRAND RAPIDS, MI 49501 | OXFORD HEALTH INSURANCE INC | $85K | — | $85K | 3.99% |
| PROFESSIONAL GROUP MKTG3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE INC | — | $12K | $12K | 0.57% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 50 BROADWAY HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE INC | — | $9K | $9K | 0.40% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $5K | $16K | 11.22% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $13K | 13.21% |
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 | 241 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 241 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC | 311 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 156 | $96K |
| Vision(6 contracts, 2 carriers) | HM LIFE INSURANCE COMPANY OF NEW YORK | 89 | $27K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $141K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $141K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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."
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.