| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NEW JERSEY, INC. | $940 | $0 | $940 | 1.19% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 15.40% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $2K | $8K | 17.39% |
| MCO PARTNERS LLC3 Filed as: MCO PARTNERS, LLC | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10001 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $3K | $8K | 17.19% |
| VINCENT J ROWAN3 Filed as: VINCENT J. ROWAN | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $266 | $1K | 3.00% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE, APARTMENT 3109 LONG ISLAND CITY, NY 11101 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $933 | $240 | $1K | 2.44% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN AND OTHER AGENTS | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $345 | $407 | $752 | 1.56% |
| ALFRED SANFORD3 | 6425 DREXEL ROAD PHILADELPHIA, PA 19151 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $679 | $47 | $726 | 1.51% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $547 | $1 | $548 | 1.14% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 269 | $79K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $50K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $50K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $50K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 225 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.