| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT D SHAARA3 Filed as: ROBERT SHAARA | PO BOX 2350 CINNAMINSON, NJ 08077 | HORIZON HEALTHCARE SERVICES, INC | $48K | — | $48K | 2.92% |
| ROBERT D SHAARA3 | 300 HIGHWAY AVENUE RIVERTON, NJ 08077 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.47% |
| SHAARA, ROBERT D3 | 300 HIGHWAY AVENUE RIVERTON, NJ 08077 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 9.41% |
| ROBERT D SHAARA3 | 300 HIGHWAY AVE RIVERTON, NJ 08077 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $961 | — | $961 | 12.87% |
| ROBERT D SHAARA3 | 300 HIGHWAY AVE RIVERTON, NJ 08077 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $253 | — | $253 | 15.01% |
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 | 179 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 145 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 120 | $95K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $76K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $76K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $76K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 145 | $1.6M |
| Other(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 179 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.
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.