| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $38K | $8K | $45K | 5.84% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $2K | $12K | 5.85% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $608 | — | $608 | 0.91% |
| DAVID T BUCKWALD3 | 21 COMMERCE DRIVE STE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | — | $203 | 0.30% |
| GARY A BOROWIEC3 | 266 MAIN STREET MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $203 | — | $203 | 0.30% |
| SAMUEL E MITCHELL & SON, INC.3 Filed as: SAMUEL E. MITCHELL & SON INC | MITCHELL INSURANCE AGENCY 29 TRINITY STREET NEWTON, NJ 07860 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 5.83% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | MITCHELL INSURANCE AGENCY 29 TRINITY STREET NEWTON, NJ 07860 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 4.22% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 100 WALNUT AVENUE CLARK, NJ 07860 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 3.66% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 9.00% |
| DAVID T BUCKWALD3 | 21 COMMERCE DRIVE STE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | — | $409 | 3.00% |
| GARY A BOROWIEC3 | 266 MAIN STREET MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $409 | — | $409 | 3.00% |
| SAMUEL E MITCHELL & SON, INC.3 Filed as: SAMUEL E MITCHELL & SONS INC | 29 TRINITY STREET NEWTON, NJ 07860 | VISION SERVICE PLAN | $1K | — | $1K | 14.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $398 | — | $398 | 5.01% |
| ACRISURE LLC3 | 29 TRINITY STREET NEWTON, NJ 07860 | VISION SERVICE PLAN | $68 | — | $68 | 0.86% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49546 | ALPHA DENTAL PROGRAMS, INC. | $120 | — | $120 | 3.10% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $105 | — | $105 | 8.99% |
| DAVID T BUCKWALD3 | 21 COMMERCE DRIVE STE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35 | — | $35 | 3.00% |
| GARY A BOROWIEC3 | 266 MAIN STREET MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35 | — | $35 | 3.00% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 69 | $775K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 120 | $54K |
| Vision | VISION SERVICE PLAN | 65 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $14K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $67K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 69 | $208K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.