| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $80K | $80K | 3.94% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $7K | $16K | 14.22% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | AFLAC | $4K | $0 | $4K | 5.71% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE COVE HAMPTON, NJ 08827 | AFLAC | $2K | $305 | $2K | 2.68% |
| MANUEL ANTONIO MACHADO3 | 2 PLAZA PLACE PHILLIPSBURG, NJ 08865 | AFLAC | $1K | $353 | $2K | 2.22% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC. | 17 OAK LANE RANDOLPH, NJ 07869 | AFLAC | $382 | $0 | $382 | 0.51% |
| ENROLLEASE3 Filed as: JOSEPH CLARKE | 197 BYRAM KINDWOOD ROAD STOCKTON, NJ 08559 | AFLAC | $63 | $40 | $103 | 0.14% |
| ANDREA NICOLE MASSIMO3 | 481 STAMETS ROAD MILFORD, NJ 08848 | AFLAC | $34 | $0 | $34 | 0.05% |
| ROSALINDA PAPARATTO3 | 940 MOUNTAIN AVANUE MOUNTAINSIDE, NJ 07092 | AFLAC | $3 | $0 | $3 | 0.00% |
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 | 366 | 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) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $2.0M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 366 | $2.1M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 366 | $115K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 366 | $115K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 203 | $2.0M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 366 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.