| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $98K | $23K | $121K | 6.09% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $113 | $15K | 15.11% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | BENISTAR GROUP RETIREE HEALTH SOLUTIONS | $2K | $0 | $2K | 1.75% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $312 | $10K | 13.39% |
| ACRISURE LLC3 | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | HARTFORD LIFE AND ACCIDENT | $5K | $0 | $5K | 7.50% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 15.48% |
| ACRISURE LLC3 | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | AFLAC | $953 | $0 | $953 | 4.12% |
| MJ INSURANCE3 Filed as: DANIEL SOTO AND VARIOUS AGENTS | 204 NATALIE DRIVE PHILLIPSBURG, NJ 08865 | AFLAC | $506 | $196 | $702 | 3.04% |
| MARY DRESSENDOFER3 | 12 CRABAPPLE COVE HAMPTON, NJ 08827 | AFLAC | $504 | $196 | $700 | 3.03% |
| JOHN PERRY3 | 36 MOUNT FAIRWEATHER LANE TOMS RIVER, NJ 08753 | AFLAC | $458 | $0 | $458 | 1.98% |
| MITCHELL N HNATT3 Filed as: MITCHELL N. HNATT | 837 SOUTH DRIVE BRICK, NJ 08724 | AFLAC | $350 | $0 | $350 | 1.51% |
| MICHEAL JOSEPH MCGUIRE3 | 12 AZALEA COURT BARNEGAT, NJ 08005 | AFLAC | $163 | $0 | $163 | 0.71% |
| ADAM MAGGIO3 | 1025 MAXWELL LANE APARTMENT 902 HOBOKEN, NJ 07030 | AFLAC | $139 | $0 | $139 | 0.60% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 110 | $2.1M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 110 | $2.0M |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 110 | $2.0M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $169K |
| Short-term disability | AFLAC | 24 | $23K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $73K |
| Prescription drug(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 110 | $2.1M |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.