| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $50K | $0 | $50K | 3.41% |
| JACK ABEL3 | 6500 ROCK SPRING DRIVE SUITE 410 BETHESDA, MD 20817 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $9K | $0 | $9K | 20.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP INC | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 11.69% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE. SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $26 | $26 | 0.06% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MELTZER GROUP BENEFITS | 6500 ROCK SPRING DRIVE SUITE 500 BETHESDA, MD 20817 | HORIZON HEALTHCARE SERVICES, INC. | $1K | $0 | $1K | 5.62% |
| YANIS E KALOUDIS3 | 422 RINGWOOD AVE #216 POMPTON LAKES, NJ 07442 | AFLAC | $558 | $0 | $558 | 5.46% |
| ZORN BENEFITS GROUP LLC3 | 60 US HIGHWAY 46 AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $180 | $0 | $180 | 1.76% |
| MICHAEL C WALKER3 | 203 MARKET ST STE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $153 | $0 | $153 | 1.50% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: ALAN L MELTZER | 6500 ROCK SPRING DRIVE STE 500 BETHESDA, MD 20817 | AFLAC | $78 | $0 | $78 | 0.76% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE RD 4TH FLR PHILADELPHIA, PA 19125 | AFLAC | $67 | $0 | $67 | 0.66% |
| TYLER KNIGHT3 | 190 PEQUEST RD BELVIDERE, NJ 07823 | AFLAC | $62 | $0 | $62 | 0.61% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE STE 105 PISCATAWAY, NJ 08854 | AFLAC | $45 | $0 | $45 | 0.44% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $38 | $0 | $38 | 0.37% |
| DAVID MORNINGSTAR3 | 11285 DOVEDALE CT 2ND FLOOR MARRIOTTSVILLE, MD 21104 | AFLAC | $26 | $0 | $26 | 0.25% |
| ROBERT TOWNSEND3 Filed as: ROBERT S TOWNSEND | 34 SPRUCE ST #1 ELMWOOD PARK, NJ 07407 | AFLAC | $9 | $0 | $9 | 0.09% |
| MATTHEW G BERGER3 | 1020 N DELAWARE AVE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $7 | $0 | $7 | 0.07% |
| MICHAEL A FORNARO3 | 271 US HIGHWAY 46 STE H119 FAIRFIELD, NJ 07004 | AFLAC | $5 | $0 | $5 | 0.05% |
| AMY K FOY3 | 804 MCCOY RD FRANKLIN LAKES, NJ 07417 | AFLAC | $2 | $0 | $2 | 0.02% |
| REY ROSTAMI3 | PO BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $1 | $0 | $1 | 0.01% |
| TARA MICHELLE D AGOSTINO3 | 271 US HIGHWAY 46 STE D207 FAIRFIELD, NJ 07004 | AFLAC | $1 | $0 | $1 | 0.01% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 115 | $1.5M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 82 | $23K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $84K |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $84K |
| Long-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $84K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 115 | $1.5M |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 142 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.