| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $2K | $20K | 12.97% |
| TRAZA INCURANCE AGENCY3 | UNKNOWN BURLINGTON, NJ 08016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $605 | $605 | 0.39% |
| ACRISURE LLC3 Filed as: ACRISURE INSURANCE PARTNERS | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $746 | $8K | 14.54% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $3K | $7K | 12.23% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DRIVE MEDFORD, NJ 08055 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $496 | $3K | 4.53% |
| VINCENT J ROWAN3 Filed as: VINCENT ROWAN | 4447 E THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $167 | $1K | 2.35% |
| PAMELA SUSAN LEVY3 Filed as: PAMELA LEVY | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $885 | $172 | $1K | 1.86% |
| MJ INSURANCE3 Filed as: GREG GRAVALIS AND VARIOUS AGENTS | 1260 QUARRY COMMONS DRIVE YARDLEY, PA 19067 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $354 | $206 | $560 | 0.98% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS | 550 W 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $213 | $296 | $509 | 0.89% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $154K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $154K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $154K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $154K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 236 | $211K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.