| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 7 SOUTH WARREN STREET DOVER, NJ 07801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $70K | $70K | 2.94% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 1.56% |
| ACRISURE LLC3 | DBA HENRY O BAKER INS GROUP 7 S WARREN ST DOVER, NJ 07801 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 12.07% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49315 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 3.10% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $41 | $41 | 0.10% |
| ACRISURE LLC3 | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | VISION SERVICE PLAN | $975 | — | $975 | 5.97% |
| ACRISURE LLC3 | 7 SOUTH WARREN ST DOVER, NJ 07801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $853 | — | $853 | 9.81% |
| CONTINUUMCLOUD LLC3 | 100 ASHLEY DRIVE S. SUITE 1500 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $361 | $361 | 4.15% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $231 | — | $231 | 2.66% |
| ACRISURE LLC3 | 7 SOUTH WARREN ST DOVER, NJ 07801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $695 | — | $695 | 9.86% |
| CONTINUUMCLOUD LLC3 | 100 ASHLEY DRIVE S. SUITE 1500 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $294 | $294 | 4.17% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $188 | — | $188 | 2.67% |
| ACRISURE LLC3 | 7 SOUTH WARREN ST DOVER, NJ 07801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $612 | — | $612 | 9.86% |
| CONTINUUMCLOUD LLC3 | 100 ASHLEY DRIVE S. SUITE 1500 TAMPA, FL 33602 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $258 | $258 | 4.16% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $161 | — | $161 | 2.59% |
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 | 202 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 144 | $2.4M |
| Vision | VISION SERVICE PLAN | 131 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 202 | $41K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 202 | $41K |
| Other(4 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 202 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.