| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE DBA SCIROCCO GROUP | 777 TERRRACE AVENUE, SUITE 309 HASBROUCK HEIGHTS, NJ 07604 | DELTA DENTAL OF NJ, INC. | $6K | — | $6K | 3.21% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA SCIROCCO GROUP | 777 TERRACE AVE SUITE 309 HASBROUCK HEIGHTS, NJ 07604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19K | $1K | $20K | 24.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | BUILDING 4 SUITE 404A 1800 ROUTE 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 7.39% |
| SCIROCCO FINANCIAL GROUP3 Filed as: SCIROCCO GROUP INSURANCE | 777 TERRACE AVENUE HASBROUCK HEIGHTS, NJ 07604 | ARCH INSURANCE GROUP | $3K | — | $3K | 8.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA SCIROCCO GROUP | 777 TERRACE AVENUE #309 HASBROUCK HEIGHTS, NJ 07604 | EYEMED | $2K | — | $2K | 9.09% |
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 | 318 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 301 | $190K |
| Vision | EYEMED | 605 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $81K |
| Short-term disability | ARCH INSURANCE GROUP | 124 | $33K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $81K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 413 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
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.