| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC Filed as: ACRISURE, LLC | 181 NEW ROAD, SUITE 304 PARSIPPANY, NJ 07054 | FIDELITY SECURITY LIFE INSURANCE CO. | $120K | — | $120K | 15.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $2K | $557 | $3K | 20.89% |
| ACRISURE LLC3 | 120 EAGLE ROCK AVE , SUITE 195 EAST HANOVER, NJ 07936 | HARTFORD LIFE AND ACCIDENT | $439 | — | $439 | 3.29% |
| ACRISURE LLC3 | 6307 84TH ST SE CALEDONIA, MI 49316 | HARTFORD LIFE AND ACCIDENT | — | $404 | $404 | 3.03% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH, FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $178 | $178 | 1.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BLUE CROSS & BLUE SHIELD EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $753K |
| FABIAN & BYRN LLC NONE | Legal; Direct payment from the plan; Claims processing Service code 12 | 425 EAGLE ROCK AVE ROSELAND, NJ 07068 | $179K |
| ELAINE ALESSIO EIN 22-2004832 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $118K |
| ENNIS HARGADON, LLC EIN 47-1121653 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $98K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $64K |
| CARMELLA RICCI EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $64K |
| 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 | — | $60K |
| D.D. SERVICES, INC. EIN 11-2705347 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $54K |
| CHRISTINE KNISPEL EIN 22-2004832 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $51K |
| MARY JO ESPOSITO EIN 22-2004832 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $51K |
| METS SCHIRO MCGOVERN & PARIS, LLP EIN 75-3116930 NONE | Legal; Direct payment from the plan Service code 29 | — | $40K |
| TEAMSTERS CENTER SERVICES FUND EIN 13-1964856 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $36K |
| O'SULLIVAN ASSOCIATES EIN 20-8199367 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $29K |
| SPECIALIZED PHARMACY SOLUTIONS EIN 86-1061619 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $13K |
| UBS FINANCIAL SERVICES, INC. EIN 13-2638166 NONE | Investment advisory (plan); Investment management fees paid directly by plan; Investment management Service code 27 | — | $8K |
| 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 | 1,926 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,934 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,473 | $13K |
| Stop-loss / reinsurancereinsurance | FIDELITY SECURITY LIFE INSURANCE CO. | 1,473 | $800K |
| Other | HARTFORD LIFE AND ACCIDENT | 1,473 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,473 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.