| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | GUARDIAN | $7K | — | $7K | 13.96% |
| SOTERIA PARTNERS LLC3 | 550 W 29TH ST APT 3A NEW YORK, NY 10001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $1K | $2K | 19.99% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $258 | $2K | 15.44% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILDELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $439 | $604 | $1K | 9.93% |
| MARIA MULLER3 | 5 LAWRENCE ST UNIT 217 BLOOMFIELD, NJ 07003 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.86% |
| WALTER FABIAN PRADO3 | 153 MAC ARTHUR AVE GARFIELD, NJ 07026 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3 | — | $3 | 0.03% |
| LEAH ANN CASTILLO3 | 13411 RAVEN FLIGHT DR CYPRESS, TX 77429 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD - BLD F STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $14K | $3K | $17K | — |
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 | 222 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 227 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 19 | $0 |
| Dental | GUARDIAN | 196 | $48K |
| Vision | GUARDIAN | 196 | $48K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 196 | $58K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 32 | $11K |
| Long-term disability | GUARDIAN | 196 | $48K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 19 | $0 |
| Other(2 contracts, 2 carriers) | GUARDIAN | 196 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 196 | — |
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.