| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HENRY O BAKER INC3 | 7 SOUTH WARREN STREET DOVER, NJ 07801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 2.68% |
| ACRISURE LLC3 | 7 SOUTH WARREN STREET DOVER, NJ 07801 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $24K | $24K | 1.82% |
| HENRY O BAKER INC3 Filed as: HENRY O. BAKER, INC. | 7 SOUTH WARREN STREET DOVER, NJ 07801 | AETNA LIFE INSURANCE CO. | $697 | — | $697 | 5.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA HENRY O. BAKER IN | 100 OTTAWA AVENUE SOUTHWEST GRAND RAPIDS, MI 49506 | AETNA LIFE INSURANCE CO. | $508 | — | $508 | 4.18% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA HENRY O BAKER INSU | 7 SOUTH WARREN STREET DOVER, NJ 07801 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 42.65% |
| IMG3 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $24 | $24 | 0.37% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 89 | $1.3M |
| Vision | AETNA LIFE INSURANCE CO. | 128 | $12K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 130 | $7K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 126 | $10K |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 130 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
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.