| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | $44K | — | $44K | 2.60% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $43K | — | $43K | 2.58% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS ROAD, BUILDING CRANBURY, NJ 085123708 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $16K | $16K | 0.98% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC. | 259 PROSPECT PLAINS RD BUILDING F CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 495011788 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.88% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.87% |
| ACRISURE LLC3 | P.O. BOX 1788 GRAND RAPIDS, MI 49501 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 11.37% |
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 | 119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 240 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $74K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 222 | $74K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 1,195,849 | $51K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 1,195,849 | $51K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 1,195,849 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,195,849 | — |
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."
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.