| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES INC | $17K | $4K | $21K | 5.85% |
| GA SOLUTIONS LLC3 Filed as: GA SOLUTIONS, LLC | 65 MECHANIC STREET, SUITE 106 RED BANK, NJ 07701 | GUARDIAN INSURANCE | $7K | $715 | $8K | 13.40% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE SERVICES, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | GUARDIAN INSURANCE | $4K | $155 | $4K | 7.01% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 15400 28TH AVENUE NORTH, SUITE 200 PLYMOUTH, MN 55447 | GUARDIAN INSURANCE | $408 | $0 | $408 | 0.69% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE SERVICES, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 13.25% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $323 | $222 | $545 | 6.04% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET, APARTMENT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $313 | $101 | $414 | 4.59% |
| MELANIE F COLON3 Filed as: MELANIE F. COLON | 203 WILSON AVENUE BROOKLYN, NY 11237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53 | $0 | $53 | 0.59% |
| MARIA MULLER3 | 5 LAWRENCE STREET, UNIT 217 BLOOMFIELD, NJ 07003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 0.44% |
| YESENIA A SANCHEZ3 Filed as: YESENIA A. SANCHEZ | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $26 | $4 | $30 | 0.33% |
| MICHELE CONSTANTINO & OTHERS3 | 901 STUYVESANT AVENUE APARTMENT 107 UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $12 | $10 | $22 | 0.24% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 22 | $351K |
| Dental | GUARDIAN INSURANCE | 167 | $59K |
| Vision | GUARDIAN INSURANCE | 167 | $59K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 167 | $68K |
| Long-term disability | GUARDIAN INSURANCE | 167 | $59K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 22 | $351K |
| Other(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 167 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 167 | — |
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.