| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA CHADLER SOLUTIONS | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 3.97% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA CHADLER SOLUTIONS | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.71% |
| EMERSON REID LLC Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVE STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $796 | — | $796 | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA CHADLER SOLUTIONS | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | FLAGSHIP HEALTH SYSTEMS | $225 | — | $225 | 3.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROSENBERG RICH BAKER BERMAN & CO EIN 22-3271252 ACCOUNTANT | Accounting (including auditing) Service code 10 | 265 DAVIDSON AVE SUITE 210 SOMERSET, NJ 08873 | $21K |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 225 | $134K |
| Long-term disability | STANDARD INSURANCE COMPANY | 120 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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.