| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $104K | — | $104K | 3.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 520 SHORT HILLS, NJ 07078 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 4.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PKWY SUITE 520 SHORT HILLS, NJ 07078 | USABLE LIFE | $3K | — | $3K | 8.78% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 7.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 520 SHORT HILLS, NJ 07078 | FLAGSHIP HEALTH SYSTEMS | $708 | — | $708 | 3.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | P.O. BOX 416315 BOSTON, MA 02241 | VISION SERVICE PLAN | $2K | — | $2K | 10.06% |
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 | 261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 181 | $3.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 210 | $104K |
| Vision | VISION SERVICE PLAN | 185 | $23K |
| Life insurance | USABLE LIFE | 261 | $36K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 181 | $3.3M |
| Other | USABLE LIFE | 261 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.