| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | HORIZON HEALTHCARE SERVICE, INC. | $38K | — | $38K | 3.22% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | HORIZON HEALTHCARE SERVICES, INC. | $10K | — | $10K | 2.26% |
| CARL DERISO/BENEFIT TAX LINK3 | 122 PARISH DRIVE WAYNE, NJ 07470 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 3.61% |
| CARL DERISO/BENEFIT TAX LINK3 | 122 PARISH DR. WAYNE, NJ 07470 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.03% |
| CARL DERISO/BENEFIT TAX LINK3 | 122 PARISH DRIVE WAYNE, NJ 07470 | FLAGSHIP HEALTH SYSTEMS | $212 | — | $212 | 2.74% |
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 | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICE, INC. | 142 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 138 | $150K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $62K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $62K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 219 | $62K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 142 | $452K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
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.