| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 1451 ROUTE 34 S SUITE 101 FARMINGDALE, NJ 07727 | HORIZON HEALTHCARE SERVICES, INC. | $31K | — | $31K | 2.52% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORP. | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | HORIZON HEALTHCARE SERVICES, INC. | $4K | — | $4K | 0.29% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC | 130 VANTIS STE 250 ALISO VIEJO, CA 92656 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 3.69% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | AETNA LIFE INSURANCE CO. | $838 | — | $838 | 0.83% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHEMNT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $818 | $4K | 13.39% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE LISTING | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $870 | $4K | 14.30% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHEMNT | — | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $351 | $2K | 18.44% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 130 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 265 | $100K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 130 | $1.2M |
| Other(3 contracts) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 44 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.