| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $186K | — | $186K | 18.34% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY #2 HAWTHORNE, NY 10532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $74K | $74K | 7.31% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | THE GUARDIAN LIFE INSURANCE COMPANY | $36K | $7K | $43K | 11.03% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $176 | $9K | 38.22% |
| BRAD BIEL3 | 1050 WALL ST W LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $5K | $8K | 32.07% |
| RYAN K GOLDBERG3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $3K | $5K | 19.08% |
| KIM MARIE DIGIACOMO3 | 19 ALIZE DRIVE KINNELON, NJ 07405 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $128 | $1K | 6.21% |
| BRYLIN EMPLOYEE BENEFITS LLC3 | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $767 | $51 | $818 | 3.46% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | 201 CAUGHMAN FARM LANE LEXINGTON, SC 29072 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $460 | $21 | $481 | 2.04% |
| IRA EDENBAUM3 | 1 CARLETON DR FREEHOLD, NJ 07728 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $366 | $32 | $398 | 1.68% |
| CORPORATE HEALTH MANAGEMENT LLC3 | 8 SPRUCE ST APT 75T NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $99 | $281 | $380 | 1.61% |
| MARIA MULLER3 | 495 WINDEMERE AVE MT ARLINGTON, NJ 07856 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $237 | $7 | $244 | 1.03% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $183 | $53 | $236 | 1.00% |
| JASON LOUIS KOSCO3 | 31 JESSE CT MONTVILLE, NJ 07045 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $98 | $6 | $104 | 0.44% |
| JOHN D EVANGELISTA3 | 26111 ANTONIO PARKWAY RANCHO SANTA MARGARITA, CA 92688 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $43 | $33 | $76 | 0.32% |
| BENECHOICE ENROLLMENT SOLUTIONS & T3 | 1574 LITIZ PIKE LANCASTER, PA 17601 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $5 | $20 | 0.08% |
| MCCAREY INC3 | 965 MESA DRIVE CAMARILLO, CA 93010 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| VGM BENEFIT ENROLLMENTS LLC3 | 30310 HORSETHIEF DRIVE TEHACHAPI, CA 93561 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $1 | $3 | 0.01% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | ASHTON BENEFITS 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | METLIFE LEGAL PLANS | $2K | $167 | $2K | 10.93% |
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 | 321 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 294 | $1.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY | 321 | $394K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 321 | $394K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 321 | $418K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 321 | $418K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 321 | $394K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY | 321 | $414K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 321 | — |
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.
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.