| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 90 SOUTH RIDGE STREET RYE BROOK, NY 10573 | HORIZON HEALTHCARE SERVICES, INC. | $132K | $0 | $132K | 2.30% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | $0 | $9K | 3.81% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $2K | $11K | 5.86% |
| MCO PARTNERS LLC3 Filed as: MCO PARTNERS, LLC | 549 BORDEN AVENUE, SUITE 9J LONG ISLAND, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15K | $19K | $34K | 33.91% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13K | $0 | $13K | 12.99% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $802 | $5K | 5.08% |
| FULVIO A. ACOSTA3 | 15017 WORTHINGTON ROAD PHILADELPHIA, PA 19116 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $425 | $4K | 3.93% |
| PETER BENTON3 | 11-05 HARRISON DRIVE FAIR LAWN, NJ 07410 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $233 | $4K | 3.65% |
| DRUSILLIA ROBERTSON3 | 678 WARBURTON AVENUE APARTMENT 7C YONKERS, NY 10701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $502 | $4K | 3.62% |
| BENJAMIN L GALLO3 Filed as: BENJAMIN L. GALLO | 17 BRANT AVENUE, UNIT 5 CLARK, NJ 07066 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $225 | $0 | $225 | 0.22% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST | 180 RIVER ROAD, 2ND FLOOR SUMMIT, NY 07901 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $265 | $0 | $265 | 4.18% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $147 | $5 | $152 | 2.40% |
| IRUS CORPORATION3 | 923 MARLBOROUGH STREET PHILADELPHIA, PA 19125 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16 | $0 | $16 | 0.25% |
| JOSHUA LACHS3 | 5414 SHIRLEY AVENUE TARZANA, CA 91356 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.09% |
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 | 351 | 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) | 351 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 276 | $5.8M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 507 | $223K |
| Vision | VISION SERVICE PLAN | 282 | $47K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $192K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 176 | $107K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $186K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 276 | $5.8M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 351 | $286K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 507 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.