| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $83K | $83K | 3.68% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $43K | $43K | 1.90% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS SRV | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $17K | $17K | 0.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | $0 | $7K | 5.41% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 4.96% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTR INS. SRV. | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | $0 | $2K | 1.54% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | UNKNOWN NEW YORK, NY 10006 | ARMADA CARE | $1K | $0 | $1K | 0.98% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PTNRS. INS. SVCS., LLC | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8K | $0 | $8K | 7.03% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4K | $0 | $4K | 3.70% |
| GROUP BENEFITS LTD3 | 12006 RIDGEMONT DRIVE URBANDALE, IA 50323 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 1.56% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $929 | $929 | 0.86% |
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 | 115 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 179 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $134K |
| Vision | SUN LIFE AND HEALTH INSURANCE COMPANY | 115 | $108K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 115 | $108K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 115 | $108K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 115 | $108K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 115 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.