| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 PASSIAC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $113K | $113K | 4.59% |
| ACRISURE LLC3 | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | GUARDIAN | $11K | $6K | $17K | 7.31% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.20% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.34% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $388 | — | $388 | 9.99% |
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 | 165 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 192 | $2.5M |
| Dental | GUARDIAN | 165 | $235K |
| Vision | GUARDIAN | 165 | $235K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 173 | $256K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 173 | $22K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 173 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 192 | — |
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.
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.