| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACRISURE, LLC | 181 NEW ROAD, SUITE 304 PARSIPPANY, NJ 07054 | DHR MANAGEMENT,LLC | $119K | — | $119K | 15.00% |
| ACRISURE LLC3 | 120 EAGLE ROCK AVE , SUITE 195 EAST HANOVER, NJ 07936 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 19.72% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | HARTFORD LIFE AND ACCIDENT | — | $462 | $462 | 1.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS & BLUE SHIELD EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $1.1M |
| FABIAN & BYRN LLC NONE | Legal; Direct payment from the plan; Claims processing Service code 12 | 425 EAGLE ROCK AVE ROSELAND, NJ 07068 | $162K |
| ENNIS HARGADON, LLC EIN 47-1121653 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $146K |
| SPECIALIZED PHARMACY SOLUTIONS EIN 86-1061619 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $126K |
| ELAINE ALESSIO EIN 22-2004832 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $118K |
| METS SCHIRO MCGOVERN & PARIS, LLP EIN 75-3116930 NONE | Legal; Direct payment from the plan Service code 29 | — | $103K |
| JBM COMPUTER CONSULTANTS, INC. EIN 16-1173118 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $96K |
| CARMELLA RICCI EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $54K |
| D.D. SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $53K |
| MARY JO ESPOSITO EIN 22-2004832 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| CHRISTINE KNISPEL EIN 22-2004832 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $42K |
| HEALTH CLAIM RISK MANAGEMENT, INC. EIN 20-0578181 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $36K |
| TEAMSTERS CENTER SERVICES FUND EIN 13-1964856 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $33K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $24K |
| CAROLINA GOROSITO EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $21K |
| KIARA LEWIS EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $18K |
| UBS FINANCIAL SERVICES, INC. EIN 13-2638166 NONE | Investment management fees paid directly by plan; Investment advisory (plan); Investment management Service code 27 | — | $16K |
| COMERICA BANK EIN 42-1741646 NONE | Custodial (securities); Investment management fees paid directly by plan Service code 19 | — | $0 |
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 | 1,966 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,972 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,473 | $27K |
| Stop-loss / reinsurancereinsurance | DHR MANAGEMENT,LLC | 1,491 | $796K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,473 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,491 | — |
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.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.