| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | HORIZON HEALTHCARE SERVICES | $43K | — | $43K | 2.10% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | HORIZON HEALTHCARE SERVICES | $2K | — | $2K | 3.39% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | USABLE LIFE | $3K | — | $3K | 7.96% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 08520 | USABLE LIFE | $3K | — | $3K | 7.08% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 08520 | USABLE LIFE | $2K | — | $2K | 7.94% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | USABLE LIFE | $2K | — | $2K | 5.70% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | UNION SECURITY INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | UNION SECURITY INSURANCE COMPANY | $536 | — | $536 | 10.01% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | UNION SECURITY INSURANCE COMPANY | $501 | — | $501 | 9.35% |
| SAVOY ASSOCIATES3 | 4AAA DRIVE, SUITE 205 HAMILTON, NJ 08691 | MAGELLAN BEHAVIORAL HEALTH | $434 | — | $434 | 10.01% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | UNION SECURITY INSURANCE COMPANY | $638 | — | $638 | 15.01% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | UNION SECURITY INSURANCE COMPANY | $272 | — | $272 | 10.02% |
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 | 218 | 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) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES | 161 | $2.1M |
| Dental | HORIZON HEALTHCARE SERVICES | 70 | $64K |
| Vision | UNION SECURITY INSURANCE COMPANY | 96 | $24K |
| Life insurance | USABLE LIFE | 217 | $42K |
| Short-term disability | UNION SECURITY INSURANCE COMPANY | 28 | $4K |
| Long-term disability | USABLE LIFE | 217 | $31K |
| Prescription drug | HORIZON HEALTHCARE SERVICES | 161 | $2.1M |
| Other(5 contracts, 3 carriers) | USABLE LIFE | 251 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.