| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES, INC. | $61K | $0 | $61K | 2.46% |
| THE NIA GROUP3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 5.20% |
| THE NIA GROUP3 | 161 WASHINGTON STREET SUITE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 3.91% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY, LLC | PARK 80 WEST PLAZA 2 250 PEHLE AVENUE WEST, SUITE 400 SADDLE BROOK, NJ 07663 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $0 | $1K | 4.64% |
| THE RONAN AGENCY, INC3 | PO BOX M BELMAR, NJ 07719 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $64 | $0 | $64 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN COMPANIES, INC. | 510 BANK STREET CAPE MAY, NJ 08204 | VISION BENEFITS OF AMERICA | $877 | — | $877 | 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 | 139 | 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) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 132 | $2.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 281 | $121K |
| Vision | VISION BENEFITS OF AMERICA | 124 | $18K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $178K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $178K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $207K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 132 | $2.5M |
| Other(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 139 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.