| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP LLC | 310 PASSAIC AVENUE, STE 202 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 2.80% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $22K | — | $22K | 1.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $8K | $8K | 0.70% |
| BRIAN G. TARPEY3 | 1066 PINES LAKE DRIVE WEST WAYNE, NJ 07470 | GUARDIAN | $7K | — | $7K | 7.93% |
| ENROLLEASE3 | 660 YORK STREET, SUITE 102 SAN FRANCISCO, CA 94110 | GUARDIAN | $2K | — | $2K | 2.36% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | GUARDIAN | — | $1K | $1K | 1.49% |
| INTERNL PLANNING ALL LLC4 | 300 BROADACRES DRIVE STE 175 BLOOMFIELD, NJ 07003 | GUARDIAN | $65 | — | $65 | 0.08% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $452 | — | $452 | 10.03% |
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP LLC | 310 PASSAIC AVENUE, STE 202 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $266 | — | $266 | 5.90% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $186 | — | $186 | 4.13% |
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 | 78 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 78 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $1.1M |
| Dental | GUARDIAN | 64 | $82K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 56 | $5K |
| Life insurance | GUARDIAN | 64 | $82K |
| Long-term disability | GUARDIAN | 64 | $82K |
| Other | GUARDIAN | 64 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.