| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRIAN FISHER3 | SUITE 100 112 MOORES RD MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 1.56% |
| HOOVER FINANCIAL SERVICES3 | 112 MOORES ROAD SUITE 100 MALVERN, PA 19355 | DELTA DENTAL OF NJ, INC. | $774 | — | $774 | 0.22% |
| BRIAN FISHER3 | SUITE 100 112 MOORES RD MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 3.77% |
| HOOVER FINANCIAL SERVICES3 | 112 MOORES RD SUITE 100 MALVERN, PA 19355 | FLAGSHIP HEALTH SYSTEMS | $935 | — | $935 | 3.31% |
| BRIAN FISHER3 | 112 MOORES RD SUITE 100 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.00% |
| BRIAN FISHER3 | 112 MOORES ROAD SUITE 100 MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $622 | — | $622 | 6.29% |
| BRIAN FISHER3 | SUITE 100 112 MOORES ROAD MALVERN, PA 19355 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 100.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES INC EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 3 PENN PLAZA NEWARK, NJ 07105 | $380K |
| ACRISURE LLC DBA RELIANCE INS. GROU INS. AGENT/BROKER | Insurance agents and brokers Service code 22 | 1480 US HIGHWAY 9 NORTH WOODBRIDGE, NJ 07095 | $60K |
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 | 813 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 1,020 | $381K |
| Life insurance(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 923 | $270K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 1,394 | $483K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 923 | $232K |
| Other(4 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 923 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,394 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.