| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC. | $23K | $0 | $23K | 2.09% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $0 | $12K | 1.07% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. FIN. DBA BENEFIT | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $0 | $4K | 1.54% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES, INC. | $2K | $0 | $2K | 0.78% |
| COUCH BRAUNSDORF INSURANCE GROUP3 | 701 MARTINSVILLE ROAD LIBERTY CORNER, NJ 07938 | DELTA DENTAL OF NJ, INC. | $3K | $0 | $3K | 3.07% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE, SUITE 200 CRANFORD, NJ 07016 | DELTA DENTAL OF NJ, INC. | $1K | $0 | $1K | 1.03% |
| COUCH BRAUNSDORF INSURANCE GROUP3 Filed as: COUCH-BRAUNSDORF INSURANCE GROUP | 701 MARTINSVILLE ROAD LIBERTY CORNER, NJ 07938 | FLAGSHIP HEALTH SYSTEMS | $130 | $0 | $130 | 2.11% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DRIVE, SUITE 200 CRANFORD, NJ 07016 | FLAGSHIP HEALTH SYSTEMS | $47 | $0 | $47 | 0.76% |
| ACRISURE LLC3 Filed as: ACCRISURE, LLC | 100 PASSAIC AVE, SUITE 120 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $1K | $10K | — |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | — |
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 | 169 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 125 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 126 | $116K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $0 |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $0 |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $0 |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $0 |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 125 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.