| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD CRANBURY, NJ 08512 | AETNA LIFE INSURANCE CO. | $16K | — | $16K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, SUITE 400 SADDLE BROOK, NJ 07663 | GUARDIAN | $5K | $2K | $7K | 5.37% |
| ACRISURE LLC3 | 100 PASSAIC AVE SUITE 120 FAIRFIELD, NJ 07004 | GUARDIAN | $3K | $490 | $4K | 2.82% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 WEST PLAZA 2 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 7.84% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 PASSAIC AVE STE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $396 | — | $396 | 1.02% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $941 | $3K | 13.89% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $914 | $914 | 4.59% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $165 | — | $165 | 0.83% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS RD BLDG F STE 110 CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $83 | $83 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $1K | $3K | 17.25% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $878 | $878 | 4.57% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $211 | — | $211 | 1.10% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS RD BLDG F STE 110 CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $81 | $81 | 0.42% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE, STE 400 SADDLE BROOK, NJ 07663 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $738 | $445 | $1K | 14.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL SVCS | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $369 | $369 | 4.55% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INSURANCE SERV | 100 PASSAIC AVE, STE 120 FAIRFIELD, NJ 07004 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $73 | — | $73 | 0.90% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS RD BLDG F STE 110 CRANBURY, NJ 08512 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $36 | $36 | 0.44% |
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. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 158 | $1.5M |
| Dental | GUARDIAN | 235 | $136K |
| Vision | GUARDIAN | 235 | $136K |
| Life insurance(3 contracts, 2 carriers) | GUARDIAN | 235 | $175K |
| Short-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 623 | $47K |
| Other(3 contracts, 2 carriers) | GUARDIAN | 235 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 623 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.