| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CONNER STRONG & BUCKELEW3 Filed as: CONNOR STRONG & BUCKELEW | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HORIZON HEALTHCARE SERVICES, INC. | $35K | — | $35K | 4.04% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $9K | — | $9K | 1.00% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOL. BENEFIT SERVICES INC | 1504 DOOLITTLE DRIVE BRIDGEWATER, NJ 08807 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | $11K | — | $11K | 15.24% |
| DOUGLAS C. PETERSON3 Filed as: DOUGLAS C PETERSON | 206 EASTHAM ROAD PT. PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | $9K | — | $9K | 12.63% |
| PINE BELT INS AGENCY, LLC3 Filed as: PINE BELT INS AGENCY LLC | 1088 ROUTE 88 LAKEWOOD, NJ 08701 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | $7K | — | $7K | 9.16% |
| CHARLOTTE R SANTA CRUZ3 | 718 DUNBAR AVENUE SUITE 3A BAY ST. LOUIS, MS 39520 | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | $2K | — | $2K | 3.07% |
| NJ CAR SERVICES, INC.3 Filed as: NJ CAR SERVICES INC | 856 RIVER ROAD TRENTON, NJ 08628 | AMERICAN FIDELITY ASSURANCE COMPANY | $3K | — | $3K | 5.00% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STGRONG & BUCKELEW | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | HORIZON INSURANCE COMPANY | $761 | — | $761 | 8.36% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON INSURANCE COMPANY | $149 | — | $149 | 1.64% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | USABLE LIFE | $905 | — | $905 | 13.82% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $536 | $536 | 8.19% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $348 | — | $348 | 7.31% |
| WENDY BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $32 | — | $32 | 0.67% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.36% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $17 | — | $17 | 0.36% |
| WILLIAM E GOOD3 Filed as: WILLIAM E. GOOD | 311 BOWIE STREET AUSTIN, TX 78703 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.17% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 73 | $860K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 73 | $856K |
| Vision | HORIZON INSURANCE COMPANY | 63 | $9K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | 108 | $78K |
| Short-term disability(3 contracts, 3 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | 91 | $133K |
| Long-term disability | AMERICAN FIDELITY ASSURANCE COMPANY | 42 | $57K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 73 | $856K |
| Other(4 contracts, 4 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY (ALLSTATE BENEFITS) | 108 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.