| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOWER FINANCIAL PLANNING3 | 1020 LAUREL OAK ROAD, SUITE #301 VOORHEES, NJ 08043 | HORIZON HEALTHCARE SERVICES, INC. | $37K | $0 | $37K | 2.20% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $0 | $7K | 0.38% |
| TOWER FINANCIAL PLANNING3 | 1020 LAUREL OAK ROAD, SUITE #301 VORHEES, NJ 08043 | HORIZON HEALTHCARE SERVICES, INC. | $9K | $0 | $9K | 2.66% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $2K | $0 | $2K | 0.52% |
| TOWER FINANCIAL PLANNING3 | 1020 LAUREL OAK ROAD VORHEES, NJ 08043 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $0 | $4K | 3.59% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $427 | $0 | $427 | 0.36% |
| TOWER FINANCIAL PLANNING3 | 1020 LAUREL OAK ROAD, SUITE #301 VOORHEES, NJ 08043 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.89% |
| TOWER FINANCIAL PLANNING3 | 1020 LAUREL OAK ROAD SUITE 301 VORHEES, NJ 08043 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $5K | $0 | $5K | 7.56% |
| TOWER FINANCIAL PLANNING3 | 1020 LAUREL OAK ROAD SUITE 301 VORHEES, NJ 08043 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $513 | $3K | $3K | 4.76% |
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 | 362 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 363 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 196 | $1.7M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 199 | $118K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 362 | $72K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 362 | $140K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 362 | $72K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 196 | $342K |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 362 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.