| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 PASSIAC AVE STE 120 FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $101K | — | $101K | 4.85% |
| ACRISURE LLC3 | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | GUARDIAN | $14K | $4K | $18K | 6.31% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | BENEFIT SOURCES AND SOLUTION 100 PASSAIC AVE, SUITE 120 FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $9K | — | $9K | 4.85% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | NEW YORK LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 6.88% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | NEW YORK LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.08% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| ACRISURE LLC3 | DBA THE CHADLER GROUP 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | NEW YORK LIFE INSURANCE COMPANY OF AMERICA | $458 | — | $458 | 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 | 176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 136 | $2.1M |
| Dental | GUARDIAN | 161 | $283K |
| Vision | GUARDIAN | 161 | $283K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 176 | $311K |
| Short-term disability | NEW YORK LIFE INSURANCE COMPANY OF AMERICA | 177 | $85K |
| Long-term disability | NEW YORK LIFE INSURANCE COMPANY OF AMERICA | 176 | $31K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 136 | $193K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 176 | $287K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.