| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 5668 CONCORD, CA 94520 | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | $33K | — | $33K | 2.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 2405 SATELLITE BLVD SUITE 200 DULUTH, GA 30096 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $9K | $26K | 11.06% |
| ACRISURE LLC2 | DBA THE TARPLEY GROUP LLC FAIRFIELD, NJ 07004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $42 | — | $42 | 2.61% |
| MCO PARTNERS LLC3 | 6 LATHROP AVE UNIT B MADISON, NJ 07940 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | — | $33 | 2.05% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 310 PASSAIC AVE SUITE 202 FAIRFIELD, NJ 07004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 1.80% |
| C & L REED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | — | $18 | 1.12% |
| ALAN JUSTIN3 Filed as: ALAN JUSTIN JR | 19 SUGARBUSH LN LANCASTER, NY 14086 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| MCO PARTNERS LLC3 | 6 LATHROP AVE UNIT B MADISON, NJ 07940 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $30 | — | $30 | 3.32% |
| ACRISURE LLC3 | DBA THE TARPLEY GROUP LLC FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $23 | — | $23 | 2.55% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 310 PASSAIC AVE SUITE 202 FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $15 | — | $15 | 1.66% |
| C & L REEED ASSOCIATES LLC3 | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE & ACCIDENTAL INSURANCE COMPANY | $10 | — | $10 | 1.11% |
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 | 146 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 332 | $1.5M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $237K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $237K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $237K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $237K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $237K |
| Prescription drug | HIGHMARK WESTERN AND NORTHEASTERN NEW YORK INC. | 332 | $1.5M |
| Other(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 332 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.