| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BOULEVARD SUITE 110 CRANBURY, NJ 08512 | HORIZON BLUE CROSS OF NEW JERSEY | $29K | $6K | $34K | 5.85% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | $3K | $13K | 17.83% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD, NJ 07632 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $51 | $3K | 7.05% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $422 | $3K | 6.02% |
| GA SOLUTIONS LLC3 Filed as: GA SOLUTIONS, LLC | 65 MECHANIC STREET, SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $111 | $3K | 20.02% |
| ASHTON BENEFITS3 | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07362 | GENOMIC LIFE | $1K | $0 | $1K | 23.87% |
| NEW CHARTERS LLC4 Filed as: NEW CHARTERS, LLC | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $545 | $0 | $545 | 24.10% |
| ACRISURE LLC4 Filed as: ACRISURE NJ PARTENERS | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $509 | $0 | $509 | 22.51% |
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 | 253 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON BLUE CROSS OF NEW JERSEY | 58 | $588K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $42K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 97 | $42K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $71K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $71K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $71K |
| Prescription drug | HORIZON BLUE CROSS OF NEW JERSEY | 58 | $588K |
| Other(4 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 112 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.