| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLD F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $37K | $8K | $45K | 5.39% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $660 | $4K | 0.46% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD. BLD F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $2K | $12K | 5.38% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $844 | $174 | $1K | 0.47% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SVCS LLC | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 6.05% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | T/A MARTIN FINANCIAL GROUP 259 PROSPECT PLAINS RD, BLDG F CRANBURY, NJ 08512 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 5.41% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MITCHELL INSURANCE | AGENCY 29 TRINITY STREET NEWTON, NJ 07860 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 4.76% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.07% |
| MITCHELL INSURANCE INC3 Filed as: THE MITCHELL AGENCY | 29 TRINITY STREET NEWTON, NJ 07860 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.93% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES, INC | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $498 | $498 | 1.98% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.91% |
| MITCHELL INSURANCE INC3 Filed as: THE MITCHELL AGENCY | 29 TRINITY STREET NEWTON, NJ 07860 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $892 | — | $892 | 6.09% |
| ACRISURE LLC3 | 29 TRINITY STREET NEWTON, NJ 07860 | VISION SERVICE PLAN | $571 | — | $571 | 7.58% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $366 | — | $366 | 4.86% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR. STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $87 | — | $87 | 1.16% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $223 | — | $223 | 8.92% |
| MITCHELL INSURANCE INC3 Filed as: THE MITCHELL AGENCY | 29 TRINITY STREET NEWTON, NJ 07860 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $152 | — | $152 | 6.08% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES, INC | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $51 | $51 | 2.04% |
| ACRISURE LLC3 | 29 TRINITY STREET NEWTON, NJ 07860 | ALPHA DENTAL PROGRAMS, INC. | $72 | — | $72 | 3.00% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 72 | $835K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 117 | $54K |
| Vision | VISION SERVICE PLAN | 68 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $15K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 66 | $214K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.