| 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. | $47K | $10K | $57K | 5.85% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD. BLD F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $3K | $15K | 5.85% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SVCS LLC | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 10.03% |
| 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 | 5.01% |
| ACRISURE LLC3 | 29 TRINITY STREET NEWTON, NJ 07860 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 15.00% |
| 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 | — | $2K | $2K | 5.00% |
| ACRISURE LLC3 | 29 TRINITY STREET NEWTON, NJ 07860 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $533 | — | $533 | 6.48% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE | SERVICES LLC 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | VISION SERVICE PLAN | $411 | — | $411 | 5.00% |
| ACRISURE LLC3 | 29 TRINITY STREET NEWTON, NJ 07860 | VISION SERVICE PLAN | $324 | — | $324 | 3.94% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR. STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $8 | — | $8 | 0.10% |
| ACRISURE LLC3 | 29 TRINITY STREET BLDG F, STE 110 CRANBURY, NJ 07860 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $576 | — | $576 | 15.01% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES, INC | 259 PROSPECT PLAINS RD MADISON, NJ 08512 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $192 | $192 | 5.00% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 75 | $979K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 118 | $56K |
| Vision | VISION SERVICE PLAN | 73 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $23K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 68 | $254K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.