| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 070043508 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 5.07% |
| MARTIN INSURANCE GROUP Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS RD BLDG F CRANBURY, NJ 085123708 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.74% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$1K | -$1K | -0.12% |
| BRENDAN WALL3 | 13811 SWIFTWATER WAY BRADENTON, FL 342114084 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$3K | -$3K | -0.32% |
| ACRISURE LLC3 | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 070043508 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.30% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 070391043 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BRENDAN WALL3 | 13811 SWIFTWATER WAY BRADENTON, FL 342114084 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 4.70% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $1K | $594 | $2K | 14.88% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 149 | $821K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $69K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 161 | $69K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 182 | $12K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $12K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 182 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.