| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP | 310 PASSAIC AVE STE 202 FAIRFIELD, NJ 07004 | AETNA LIFE INSURANCE COMPANY | $0 | $69K | $69K | 3.81% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | AETNA LIFE INSURANCE COMPANY | $30K | $0 | $30K | 1.67% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVE STE 202 FAIRFIELD, NJ 07004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 14.87% |
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP LLC | 310 PASSAIC AVE STE 202 FAIRFIELD, NJ 07004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 6.64% |
| MAKEFIELD AGENCY INC.3 | 19 SOUTH MAIN STREET YARDLEY, PA 19067 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 3.10% |
| ROSE & KIERNAN INC3 Filed as: ROSE & KIERNAN | PO BOX 640 YARDLEY, PA 12061 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $557 | $0 | $557 | 1.27% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVE STE 202 FAIRFIELD, NJ 07004 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 15.00% |
| THE TARPEY GROUP, LLC3 Filed as: TARPEY GROUP LLC | 310 PASSAIC AVE STE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURACE COMPANY OF AMERICA | $545 | $41 | $586 | 10.76% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURACE COMPANY OF AMERICA | $272 | $0 | $272 | 4.99% |
| CERTIFIED FINANCIAL SERVICES3 Filed as: CERTIFIED FINANCIAL SERVICE | 52 FOREST AVE PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURACE COMPANY OF AMERICA | $41 | $0 | $41 | 0.75% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 216 | $1.8M |
| Vision | THE GUARDIAN LIFE INSURACE COMPANY OF AMERICA | 58 | $5K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $60K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $44K |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 144 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.