| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: A P BENEFIT ADVISORS LLC DBA ASSURE | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $14K | $3K | $17K | 2.81% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $4K | $16K | 2.79% |
| ASSURANCE AGENCY LTD3 Filed as: A P BENEFIT ADVISORS LLC DBA ASSURE | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $773 | $4K | 2.81% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $1K | $4K | 2.80% |
| PREFERRED BENEFITS GROUP3 | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.42% |
| BRADLEY S BEDELL3 | 35 ROLLING HILL DRIVE CHATHAM, NJ 07928 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.18% |
| E P AMATA3 | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.64% |
| SETH KALKSTEIN3 Filed as: SETH J KALKSTEIN | 67 CAPTAINS DRIVE WESTBROOK, CT 06498 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.64% |
| KONIKOW, DAVID3 | 354 EISENHOWER PARKWAY SUITE 2900 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.21% |
| NEW JERSEY LIFE & CASUALTY ASS3 | 354 EISENHOWER PARKWAY SUITE 2700 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 11.21% |
| KONIKOW, DAVID3 | 354 EISENHOWER PARKWAY SUITE 2900 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| NEW JERSEY LIFE & CASUALTY ASS3 | 354 EISENHOWER PARKWAY SUITE 2700 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 10.00% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 ROUTE 4 EAST SUITE 245 PARAMOS, NJ 07652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $464 | $23 | $487 | 15.76% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R NELLIGAN & ASSOCIATES | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $155 | — | $155 | 5.01% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 ROUTE 4 EAST SUITE 245 PARAMOS, NJ 07652 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $216 | — | $216 | 10.00% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 13 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 95 | $589K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $86K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $86K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $89K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $86K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 95 | $154K |
| Other(5 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $113K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.