| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $101K | $23K | $124K | 5.85% |
| PREFERRED BENEFITS GROUP3 | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 4.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 1.70% |
| BRADLEY S BEDELL3 | 35 ROLLING HILL DRIVE CHATHAM, NJ 07928 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.02% |
| E P AMATA3 | 153 CORNERSTONE DRIVE SOUTH WINDSOR, CT 06074 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.76% |
| SETH KALKSTEIN3 Filed as: SETH J KALKSTEIN | 67 CAPTAINS DRIVE WESTBROOK, CT 06498 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.76% |
| KONIKOW, DAVID3 | 354 EISENHOWER PARKWAY SUITE 2900 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.92% |
| NEW JERSEY LIFE & CASUALTY ASS3 | 354 EISENHOWER PARKWAY SUITE 2700 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 6.92% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 ROUTE 4 EAST SUITE 245 PARAMOS, NJ 07652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 4.62% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 ROUTE 4 EAST SUITE 245 PARAMOS, NJ 07652 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $82 | $2K | 14.82% |
| 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 | — | $547 | $547 | 4.70% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 ROUTE 4 EAST SUITE 245 PARAMOS, NJ 07652 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $600 | — | $600 | 10.01% |
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 | 100 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 89 | $2.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $187K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $187K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $198K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $187K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 89 | $2.1M |
| Other(4 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 103 | $250K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 103 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.