| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $27K | $0 | $27K | 1.22% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $2K | $12K | 10.46% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | AFLAC | $4K | $0 | $4K | 6.43% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE COVE HAMPTON, NJ 08827 | AFLAC | $2K | $199 | $2K | 2.81% |
| MANUEL ANTONIO MACHADO3 | 20 EAST MAIN STREET CLINTON, NJ 08809 | AFLAC | $1K | $215 | $1K | 1.91% |
| JOSHUA PAUL GROUP INC3 | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $555 | $100 | $655 | 0.98% |
| ANDREA NICOLE MASSIMO3 | 38 WEST JOHNSTON STREET WASHINGTON, NJ 07882 | AFLAC | $106 | $86 | $192 | 0.29% |
| ROSALINDA PAPARATTO3 | 940 MOUNTAIN AVENUE MOUNTAINSIDE, NJ 07092 | AFLAC | $15 | $0 | $15 | 0.02% |
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 | 417 | 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) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 191 | $2.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 417 | $118K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 417 | $118K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 417 | $118K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 191 | $2.2M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 417 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 417 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.