| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA ASHTON BENEFITS | 600 SYLVAN, STE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $11K | $3K | $14K | 5.96% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.00% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | GUARDIAN | $19K | $712 | $20K | 25.94% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ASHTON BENEFITS | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $667 | $9K | 16.21% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 5.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | VISION SERVICE PLAN | $2K | — | $2K | 3.50% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | VISION SERVICE PLAN | $1K | — | $1K | 3.20% |
| ACRISURE LLC4 Filed as: ACRISURE LLC DBA ASHTON BENEFITS | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $946 | — | $946 | 11.75% |
| NEW CHARTERS LLC4 | PO BOX 8927 ELIZABETH, NJ 07201 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $402 | — | $402 | 5.00% |
| ACRISURE LLC3 | 600 SYLVAN AVE SUITE 301 ENGLEWOOD CLIFFS, NJ 07624 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $798 | — | $798 | 11.97% |
| MORRIS JR SAMUEL R3 | 1776 AHL DRIVE JACKSONVILLE, FL 32224 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $532 | — | $532 | 7.98% |
| ACRISURE LLC3 | 600 SYLVAN AVE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $200 | $53 | $253 | 5.30% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH ST APT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | $34 | $135 | 2.83% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST W STE 645 LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $96 | $32 | $128 | 2.68% |
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 | 451 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 262 | $266K |
| Vision | VISION SERVICE PLAN | 327 | $45K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $291K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $231K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 313 | $231K |
| Other(5 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 407 | $377K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.