| 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 | $12K | $2K | $14K | 4.36% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES INC | $4K | $821 | $5K | 1.49% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET, SUITE 106 RED BANK, NJ 07701 | GUARDIAN INSURANCE | $7K | $2K | $8K | 17.31% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET, APARTMENT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $799 | $2K | 10.84% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 8.51% |
| SOTERIA PARTNERS LLC3 | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $754 | $863 | $2K | 8.49% |
| ACRISURE LLC3 | 600 SYLVAN AVENUE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $655 | $263 | $918 | 4.82% |
| MELANIE COLON3 | 203 WILSON AVENUE BROOKLYN, NY 11237 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $675 | $0 | $675 | 3.55% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | UNKNOWN CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $227 | $227 | $454 | 2.38% |
| MJ INSURANCE3 Filed as: M. CONSTANTINO AND VARIOUS AGENTS | 901 STUYVESANT AVENUE APARTMENT 107 UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $224 | $116 | $340 | 1.79% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 21 | $322K |
| Dental | GUARDIAN INSURANCE | 216 | $48K |
| Vision | GUARDIAN INSURANCE | 216 | $48K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 216 | $67K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 37 | $19K |
| Long-term disability | GUARDIAN INSURANCE | 216 | $48K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 21 | $322K |
| Other(2 contracts, 2 carriers) | GUARDIAN INSURANCE | 216 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.