| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC (3) | 250 PEHLE AVE - STE 400 SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES INC | $7K | $0 | $7K | 0.76% |
| MARSH & MCLENNAN AGENCY LLC Filed as: NARSH & MCLENNAN AGENCY LLC (3) | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES INC | $6K | — | $6K | 3.02% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY LLC (3) | 250 PEHLE AVE - STE 400 SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES INC | $4K | $0 | $4K | 4.36% |
| THE BORELLI AGENCY INC | 333 DUTCH MILL ROAD MALAGA, NJ 08328 | NATIONWIDE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
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. |
| 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 | 104 | $968K |
| Dental | HORIZON HEALTHCARE SERVICES INC | 117 | $83K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 119 | $32K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 104 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.