| 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. | $7K | — | $7K | 5.38% |
| ACRISURE LLC3 | 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO INC | EMPIRE STATE BUILDING 350 5TH AVE, STE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CHADLER SOLUTIONS | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | FLAGSHIP HEALTH SYSTEMS | $244 | — | $244 | 2.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ROSENBERG RICH BAKER BERMAN & CO EIN 22-3271252 ACCOUNTANT | Accounting (including auditing) Service code 10 | — | $18K |
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 | 143 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 208 | $136K |
| Long-term disability | STANDARD INSURANCE COMPANY | 133 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.