| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $79K | $79K | 1.19% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $77K | $77K | 1.16% |
| CHADLER SOLUTIONS, INC.3 Filed as: CHADLER SOLUTIONS INC | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | GUARDIAN | $28K | — | $28K | 6.83% |
| THE DITTMAR AGENCY3 | 78 COURT ST FREEHOLD, NJ 07728 | GUARDIAN | — | $2K | $2K | 0.37% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | CO NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $5K | $14K | 26.75% |
| SOTERIA PARTNERS LLC3 | 550 W 29TH ST APT 3A NEW YORK, NY 10001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 9.52% |
| ACRISURE LLC3 | 100 PASSAIC AVE FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $2K | $5K | 9.44% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $564 | $2K | 3.40% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SRVC | 100 PASSAIC AVE FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 3.06% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $266 | $103 | $369 | 0.73% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | CO NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $471 | $5 | $476 | 18.27% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SRVC | 100 PASSAIC AVE FAIRFIELD, NJ 07004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $147 | — | $147 | 5.64% |
| SOTERIA PARTNERS LLC3 | 550 W 29TH ST APT 3A NEW YORK, NY 10001 | THE PAUL REVERE LIFE INSURANCE COMPANY | $111 | $2 | $113 | 4.34% |
| ACRISURE LLC3 | 100 PASSAIC AVE FAIRFIELD, NJ 07004 | THE PAUL REVERE LIFE INSURANCE COMPANY | $104 | — | $104 | 3.99% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | THE PAUL REVERE LIFE INSURANCE COMPANY | $72 | — | $72 | 2.76% |
| MCO PARTNERS LLC3 | 315 WEST 39TH ST STE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $3 | $15 | 0.58% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 273 | $6.7M |
| Dental | GUARDIAN | 326 | $414K |
| Vision | GUARDIAN | 326 | $414K |
| Life insurance | GUARDIAN | 326 | $414K |
| Short-term disability | GUARDIAN | 326 | $414K |
| Long-term disability | GUARDIAN | 326 | $414K |
| Other(3 contracts, 3 carriers) | GUARDIAN | 326 | $467K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.