| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RELIANCE INS | 90 WOODBRIDGE CENTER DRIVE SUITE 150 WOODBRIDGE, NJ 07095 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 4.44% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON ST, 4TH FLOOR NEW YORK, NY 10014 | UNUM LIFE INSURANCE CO OF AMERICA | $6K | $469 | $6K | 15.04% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA RELIANCE INS | 90 WOODBRIDGE CENTER DRIVE SUITE 150 WOODBRIDHE, NJ 07095 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.01% |
| ACRISURE LLC Filed as: ACRISURE, LLC DBA RELIANCE INS | 90 WOODBRIDGE CENTER DRIVE SUITE 150 WOODBRIDGE, NJ 07095 | HEALTHCARE DENTAL, INC. | $471 | — | $471 | 4.04% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INTERFLEX PAYMENTS, LLC EIN 27-2256926 | Contract Administrator Service code 13 | — | $6K |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 78 | $80K |
| Vision | HORIZON INSURANCE COMPANY | 68 | $15K |
| Other | UNUM LIFE INSURANCE CO OF AMERICA | 53 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 78 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.