| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $79K | $16K | $95K | 5.78% |
| DONALD C SAVOY INC3 | 25 HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.95% |
| SWEATT & WALTERS ASSOCIATES LLC3 Filed as: SWEATT & WALTERS ASSOCIATIONS LLC | 235 US HIGHWAY 22 GREEN BROOK, NJ 08812 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.02% |
| THE AHART AGENCY INC3 | PO BOX 31 PHILLIPSBURG, NJ 08865 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.02% |
| DONALD C SAVOY INC3 | 25 HANOVER ROAD 3B SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.45% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | PRINCIPAL LIFE INSURANCE COMPANY | $8K | $2K | $9K | 8.04% |
| PLATINUM PLANNING INC3 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | $2K | $6K | 4.97% |
| GARY LYNN JOHNSON3 | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $2K | $2K | 1.99% |
| DAVID GOLDBERG3 Filed as: DAVID KONIKOW | 354 EISENHOWER PARKWAY SUITE 2900 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.81% |
| NEW JERSEY LIFE & CASUALTY ASS3 Filed as: NEW JERSEY LIFE & CASUALTY ASSOCIAT | 354 EISENHOWER PARKWAY SUITE 2900 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.81% |
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 | 126 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 104 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 437 | $131K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 437 | $131K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $117K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $117K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 104 | $1.6M |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 109 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 437 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.