| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP STRATEGIES, LLC3 Filed as: GROUP STRATEGIES LLC | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES, INC. | $16K | — | $16K | 1.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $7K | — | $7K | 0.73% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FIN. SVCES | 354 EISENHOWER PARKWAY, SUITE 2850 LIVINGSTON, NJ 07039 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 15.05% |
| DONALD J. JACOBY3 | 5 SHOREDALE DRIVE MANHASSET, NY 10030 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $613 | — | $613 | 2.99% |
| UNKNOWN3 | UNKNOWN TEANECK, NJ 07666 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $211 | $211 | 1.03% |
| CERTIFIED FINANCIAL SERVICES3 Filed as: CERTIFIED FINANCIAL SERVICE | 52 FOREST AVENUE PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $46 | — | $46 | 0.22% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING COMPANY INC | 118-35 QUEENS BOULEVARD, SUITE 1230 FOREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12 | — | $12 | 0.06% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 113 | $954K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 113 | $954K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $21K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 113 | $954K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 113 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.