| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ASHTON BENEFITS | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | OXFORD HEALTH INSURANCE, INC | $51K | — | $51K | 2.35% |
| ASHTON BENEFITS3 Filed as: ASHTON BENEFITS CORP. | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | OXFORD HEALTH INSURANCE, INC | $26K | $3K | $29K | 1.35% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY 2ND FLOOR HAWTHORNE, NC 10532 | OXFORD HEALTH INSURANCE, INC | — | $25K | $25K | 1.14% |
| IPA INC3 | 6800 JERICHO TURNPIKE SYOSSET, NY 11791 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.68% |
| BRADLEY GREENBERG3 Filed as: BRADLEY ASHTON GREENBERG | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.81% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR CALEDONIA, MI 49316 | AETNA LIFE INSURANCE CO. | $390 | — | $390 | 0.39% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | MUTUAL OF OMAHA INSURANCE COMPANY | $13K | — | $13K | 17.11% |
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 | 173 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 201 | $2.2M |
| Dental | AETNA LIFE INSURANCE CO. | 210 | $101K |
| Life insurance | MUTUAL OF OMAHA INSURANCE COMPANY | 192 | $76K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 192 | $76K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 192 | $76K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 201 | $2.2M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 192 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.