| 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. | $6K | — | $6K | 4.91% |
| ACRISURE LLC3 | HNI RISK SERVICES 16805 W CLEVELAND AVE NEW BERLIN, WI 53151 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 14.65% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | STANDARD INSURANCE COMPANY | $613 | $209 | $822 | 5.07% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER COMMONS DR BREWSTER, NY 10509 | STANDARD INSURANCE COMPANY | $197 | — | $197 | 1.22% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA CHADLER SOLUTIONS | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | FLAGSHIP HEALTH SYSTEMS | $237 | — | $237 | 3.03% |
| 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 | 141 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 316 | $133K |
| Long-term disability | STANDARD INSURANCE COMPANY | 118 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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.