| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $20K | — | $20K | 22.92% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $537K |
| LABOR FIRST LLC EIN 06-1750191 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $318K |
| JACKIE SWANSON EIN 21-0699966 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $90K |
| SHERRY RASO EIN 21-0699966 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $87K |
| CONNER STRONG & BUCKELEW COMPANIES EIN 21-0718159 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $79K |
| JOHN SHALOO EIN 21-0699966 EMPLOYEE | Direct payment from the plan; Employee (plan) Service code 30 | — | $74K |
| BRIDGEWAY BENEFIT TECHNOLOGIES EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $69K |
| SMITH GRAHAM & CO. INVESTMENT ADVIS EIN 76-0301817 NONE | Investment management; Investment management fees paid directly by plan; Soft dollars commissions Service code 28 | — | $59K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $58K |
| PATTI DUBOSQUE EIN 21-0699966 EMPLOYEE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| A&A SERVICES LLC DBA SAV-RX EIN 86-1323040 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $51K |
| PNC BANK EIN 22-1146430 NONE | Direct payment from the plan; Investment management; Investment management fees paid directly by plan Service code 28 | — | $38K |
| THE MCKEOGH COMPANY EIN 23-3003375 NONE | Direct payment from the plan; Actuarial Service code 11 | — | $36K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 NONE | Claims processing; Direct payment from the plan Service code 12 | — | $33K |
| LINDABURY MCCORMICK ESTABROOK & COO EIN 22-1943351 NONE | Legal; Direct payment from the plan Service code 29 | — | $16K |
| PAYCHEX EIN 16-1124166 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $12K |
| O'DONOGHUE & O'DONOGHUE, LLP EIN 53-0120528 NONE | Legal; Direct payment from the plan Service code 29 | — | $11K |
| HOLROYD GELMAN, P.C. EIN 92-2604351 NONE | Legal; Direct payment from the plan Service code 29 | — | $10K |
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 | 579 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 702 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SIERRA HEALTH & LIFE INSURANCE CO | 904 | $2.0M |
| Vision | VISION BENEFITS OF AMERICA | 1,280 | $84K |
| Life insurance | USABLE LIFE | 1,095 | $88K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE | 1,281 | $815K |
| Other(2 contracts, 2 carriers) | SIERRA HEALTH & LIFE INSURANCE CO | 1,095 | $2.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,281 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.