| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICE, INC | $59K | $0 | $59K | 2.81% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES | 21 COMMERCE DR SUITE 302 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OR NORTH AMERICA | $5K | $0 | $5K | 0.70% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | LIFE INSURANCE COMPANY OR NORTH AMERICA | $0 | $3K | $3K | 0.50% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICE, INC | $5K | $0 | $5K | 1.56% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES | 21 COMMERCE DRIVE SUITE 302 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 7.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES | 21 COMMERCE DRIVE STE 302 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 7.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 5.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES | 21 COMMERCE DRIVE SUITE 302 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $48K | $0 | $48K | 699.97% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $345 | $345 | 4.99% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES | 21 COMMERCE DRIVE SUITE 302 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $38 | $0 | $38 | 6.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $27 | $27 | 4.95% |
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 | 220 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICE, INC | 220 | $2.1M |
| Life insurance | LIFE INSURANCE COMPANY OR NORTH AMERICA | 334 | $651K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 292 | $44K |
| Prescription drug | HORIZON HEALTHCARE SERVICE, INC | 106 | $308K |
| Other(4 contracts, 2 carriers) | LIFE INSURANCE COMPANY OR NORTH AMERICA | 358 | $741K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 358 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.