| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR CRANFORD, NJ 07016 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 10.01% |
| KATIE CUMMINGS3 | 280 WOODLAND AVE SUMMIT, NJ 07901 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.00% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS | 24 E 2ND ST 1ST FLOOR MEDIA, PA 19063 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.00% |
| KATIE CUMMINGS Filed as: KATIE CUMMINGS/ TRIBEN INSUR SOLUT. | 280 WOODLAND AVENUE SUMMIT, NJ 07901 | LINCOLN NAT. LIFE INSURANCE CO. | $2K | — | $2K | 2.39% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | THE LINCOLN NAT. LIFE INSURANCE CO. | $3K | — | $3K | 13.51% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | THE LINCOLN NAT. LIFE INSURANCE CO. | $1K | — | $1K | 12.26% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MEEKER SHARKEY ASSOCIATES LLC INSURANCE AGENT/BROKER | Insurance agents and brokers Service code 22 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | $16K |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $116K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 143 | $116K |
| Life insurance | THE LINCOLN NAT. LIFE INSURANCE CO. | 302 | $9K |
| Short-term disability | LINCOLN NAT. LIFE INSURANCE CO. | 449 | $66K |
| Long-term disability | THE LINCOLN NAT. LIFE INSURANCE CO. | 240 | $21K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 302 | $125K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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.
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.