| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 PASSAIC AVE. SUITE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $103K | $103K | 5.51% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 PASSAIC AVE. SUITE 120 FAIRFIELD, NY 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $7K | $16K | 7.91% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE CHADLER GROUP | 100 PASSAIC AVE. SUITE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.91% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE CHADLER GROUP | 100 PASSAIC AVE. SUITE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.73% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE CHADLER GROUP | 100 PASSAIC AVE. SUITE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA THE CHADLER GROUP | 100 PASSAIC AVE. SUITE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $224 | — | $224 | 10.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Contract Administrator Service code 13 | — | $94K |
| BENEFIT ANALYSIS INC EIN 22-2615990 SERVICE PROVIDER | Claims processing; Contract Administrator Service code 12 | — | $2K |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 198 | $1.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $205K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 166 | $205K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 170 | $218K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $13K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 170 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.