| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO LLC | 1201 NEW ROAD STE 230 LINWOOD, NJ 08221 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $25K | — | $25K | 6.93% |
| DAVIS J RIEMAN JR3 | 108 ARMOUR RD MAHWAH, NJ 07430 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.99% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA GROUP BENEFITS AND | ADMINISTRATION 23 VREELAND ROAD, SUITE 180 FLORHAM PARK, NJ 07932 | HEARTLAND | $3K | — | $3K | 10.00% |
| ELAINE GAUDY3 Filed as: ELAINE GUADY | 10 FOXWOOD DR APRT A MORRIS PLAINS, NJ 07950 | AFLAC | $345 | $9 | $354 | 26.28% |
| ACRISURE LLC3 | 582 E 36TH AVE STE 304 PARSIPPANY, NJ 07054 | AFLAC | $144 | — | $144 | 10.69% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $65 | $9 | $74 | 5.49% |
| OLIVIA FRIIS3 | 11 QUAIL RUN RANDOLPH, NJ 07869 | AFLAC | — | $62 | $62 | 4.60% |
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 | 409 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 409 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 447 | $364K |
| Vision | HEARTLAND | 567 | $26K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $227K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $227K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 324 | $228K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.