| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 100 OTTAWA AVE SE GRAND RAPIDS, MI 49503 | AETNA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 1.55% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD CRANBURY, NJ 08512 | AETNA LIFE INSURANCE COMPANY | $14K | $0 | $14K | 1.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | GUARDIAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 5.37% |
| ACRISURE LLC3 | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | GUARDIAN LIFE INSURANCE COMPANY | $3K | $490 | $4K | 2.82% |
| ACRISURE LLC3 | 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $406 | $163 | $569 | 9.41% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD, STE 110 CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $302 | $302 | 4.99% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $199 | $0 | $199 | 3.29% |
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 | 235 | 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) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 166 | $1.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 235 | $136K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 235 | $136K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY | 235 | $136K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 35 | $6K |
| Other | GUARDIAN LIFE INSURANCE COMPANY | 235 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.