| 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 COMPANY | $23K | — | $23K | 1.02% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | PO BOX 1788 GRAND RAPIDS, MI 49501 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $36K | $36K | 4.09% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL, NJ 07719 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 2.95% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | SUN LIFE ASSURANCE COMPANY OF CANADA | $21K | — | $21K | 2.32% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SVCS, LLC | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 0.47% |
| WORKSITE WHEELHOUSE3 | 103-107 CHURCH STREET, APARTMENT 3 PHILADELPHIA, PA 19106 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101K | $71K | $172K | 23.69% |
| ACRISURE LLC3 Filed as: ACRISURE NJ PARTNERS INS SVCS | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $103K | $0 | $103K | 14.09% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 1 IONIA AVENUE ENGLEWOOD CLIFFS, NJ 07632 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $53K | $33K | $85K | 11.69% |
| SOTERIA PARTNERS LLC3 Filed as: SOTERIA PARTNERS, LLC | 550 WEST 29TH STREET, APARTMENT 3A NEW YORK, NY 10001 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $33K | $42K | $75K | 10.29% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS, LLC | C/O NATIONAL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $9K | $10K | $18K | 2.52% |
| AZUCENA CARMEN UCTUM3 Filed as: AZUCENA CARMEN UCTUM & OTHER AGENTS | 422 TRADITION LANE WINTER SPRINGS, FL 32708 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $623 | $9K | 1.17% |
| WENDY MARTINEZ3 | 3416 NORTH LOWELL AVENUE CHICAGO, IL 60641 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4K | $8 | $4K | 0.52% |
| ACRISURE LLC3 | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $20K | $19K | $39K | 7.45% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES, LLC | 1933 STATE ROUTE 35, SUITE 368 WALL TOWNSHIP, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $26K | $26K | 5.00% |
| ACRISURE LLC5 Filed as: ACRISURE, LLC | 600 SYLVAN AVENUE, SUITE 301 ENGLEWOOD CLIFFS, NJ 07632 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $26K | $26K | 5.00% |
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 | 5,095 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,095 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 510 | $2.3M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,455 | $891K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,455 | $891K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,985 | $528K |
| Short-term disability(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4,985 | $1.3M |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 4,985 | $528K |
| Other(2 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 4,985 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,985 | — |
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.
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.