| 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 SERVICES, INC. | $20K | — | $20K | 1.53% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 121 MONMOUTH STREET RED BANK, NJ 07701 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 0.48% |
| CARL DERISO3 | 14 SCRIMSHAW DRIVE SOUTHAMPTON, NY 11968 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 3.77% |
| CARL DERISO3 | 14 SCRIMSHAW DRIVE SOUTHAMPTON, NY 11968 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 9.04% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | HORIZON INSURANCE CO. | $1K | — | $1K | 7.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 121 MONMOUTH STREET RED BANK, NJ 07701 | HORIZON INSURANCE CO. | $323 | — | $323 | 2.36% |
| CARL DERISO3 | 14 SCRIMSHAW DRIVE SOUTHAMPTON, NY 11968 | FLAGSHIP HEALTH SYSTEMS | $222 | — | $222 | 3.10% |
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 | 178 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 135 | $1.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 135 | $140K |
| Vision | HORIZON INSURANCE CO. | 133 | $14K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $59K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $59K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $59K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 135 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.