| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R. J. GOLDSTEIN & ASSOC3 | 250 PASSAIC AVENUE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $36K | $0 | $36K | 1.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | HORIZON HEALTHCARE SERVICES, INC. | $25K | $0 | $25K | 1.22% |
| R. J. GOLDSTEIN & ASSOC3 | 250 PASSIAC AVENUE FAIFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $0 | $7K | 1.78% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | HORIZON HEALTHCARE SERVICES, INC. | $5K | $0 | $5K | 1.22% |
| BENEFIT SOURCES & SOLUTIONS3 Filed as: BENEFIT SOURCES & SOLUTIONS CHADLER | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NJ, INC. | $6K | $0 | $6K | 2.88% |
| CHANDLER SOLUTIONS, INC.3 | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NJ, INC. | $2K | $0 | $2K | 0.75% |
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 | 189 | 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) | 189 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 166 | $2.0M |
| Dental | DELTA DENTAL OF NJ, INC. | 197 | $204K |
| Life insurance | STANDARD INSURANCE COMPANY | 252 | $45K |
| Long-term disability | STANDARD INSURANCE COMPANY | 193 | $40K |
| Prescription drug(2 contracts) | HORIZON HEALTHCARE SERVICES, INC. | 166 | $2.4M |
| Other | STANDARD INSURANCE COMPANY | 252 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.