| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE, 2ND FLOOR CRANFORD, NJ 07016 | DELTA DENTAL OF NJ, INC. | $4 | — | $4 | 0.00% |
| MEEKER SHARKEY & HURLEY3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $3K | — | $3K | 13.41% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 9.04% |
| MEEKER SHARKEY & HURLEY3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $2K | — | $2K | 8.83% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 7.17% |
| MEEKER SHARKEY & HURLEY3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $3K | — | $3K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 10.00% |
| MEEKER SHARKEY & HURLEY3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $2K | — | $2K | 8.85% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 7.17% |
| ACRISURE LLC Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES, LLC | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | FLAGSHIP HEALTH SYSTEMS | $31 | — | $31 | 1.06% |
| MEEKER SHARKEY & HURLEY3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $301 | — | $301 | 14.99% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $201 | $201 | 10.01% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 122 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 132 | $134K |
| Vision | VISION SERVICE PLAN | 116 | $15K |
| Life insurance | USABLE LIFE | 64 | $21K |
| Long-term disability | USABLE LIFE | 166 | $25K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 112 | $248K |
| Other(3 contracts) | USABLE LIFE | 166 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.