| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 660 AMERICAN AVE SUITE 103 KING OF PRUSSIA, PA 19406 | HORIZON HEALTHCARE SERVICES, INC. | $118K | $0 | $118K | 4.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $0 | $26K | $26K | 1.00% |
| ACRISURE LLC3 | 660 AMERICAN AVE SUITE 103 KING OF PRUSSIA, PA 19406 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $62K | $5K | $67K | 18.77% |
| ACRISURE LLC3 | 660 AMERICAN AVE SUITE 103 KING OF PRUSSIA, PA 19406 | DELTA DENTAL OF NEW JERSEY, INC. | $19K | $0 | $19K | 9.78% |
| ACRISURE LLC3 | 660 AMERICAN AVE SUITE 103 KING OF PRUSSIA, PA 19406 | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | $2K | $0 | $2K | 10.66% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 116 | $2.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 298 | $193K |
| Vision | EYEMED VISION CARE ON BEHALF OF THE FIDELITY SECURITY LIFE INSURANCE C | 294 | $22K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $357K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $357K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 116 | $2.6M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $357K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.