| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $160K | $160K | 3.11% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SVCS | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | GUARDIAN LIFE INSURANCE COMPANY | $28K | $16K | $43K | 10.94% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PRTNS INS SVCS | 100 PASSAIC AVE FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | — | $3K | 8.15% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | CO NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $968 | $80 | $1K | 3.05% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $660 | $67 | $727 | 2.12% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $17 | $200 | 0.58% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SRVC | 100 PASSAIC AVE FAIRFIELD, NJ 07004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $328 | — | $328 | 11.91% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | CO NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $112 | $3 | $115 | 4.18% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $114 | — | $114 | 4.14% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $16 | $4 | $20 | 0.73% |
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 | 329 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 331 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 411 | $5.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 329 | $396K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 329 | $396K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 329 | $396K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY | 329 | $396K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY | 329 | $396K |
| Other(3 contracts, 3 carriers) | GUARDIAN LIFE INSURANCE COMPANY | 329 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 411 | — |
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."
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.