| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT FOUNDATIONS OF AMERICA3 | 122 PARISH DRIVE WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC.- HEALTH | $28K | — | $28K | 1.54% |
| STRATFORD FINANCIAL GROUP, INC.3 | 122 PARISH DRIVE WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC.- HEALTH | $20K | — | $20K | 1.10% |
| BENEFIT FOUNDATIONS OF AMERICA3 | 122 PARISH DRIVE WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC.- PRESCRIPTION DRUGS | $6K | — | $6K | 1.50% |
| STRATFORD FINANCIAL GROUP, INC.3 | 122 PARISH DRIVE WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC.- PRESCRIPTION DRUGS | $4K | — | $4K | 1.08% |
| BENEFIT FOUNDATIONS OF AMERICA3 | 122 PARISH DRIVE WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC.- DENTAL | $2K | — | $2K | 1.94% |
| STRATFORD FINANCIAL GROUP, INC.3 | 122 PARISH DRIVE WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC.- DENTAL | $2K | — | $2K | 1.86% |
| STRATFORD FINANCIAL GROUP, INC.3 | 271 RTE 46 W STE G-200 FAIRFIELD, NJ 07004 | UNUM LIFE AND ACCIDENT | $3K | — | $3K | 8.00% |
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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC.- HEALTH | 124 | $1.8M |
| Dental | HORIZON HEALTHCARE SERVICES, INC.- DENTAL | 115 | $126K |
| Life insurance | UNUM LIFE AND ACCIDENT | 118 | $31K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC.- PRESCRIPTION DRUGS | 127 | $410K |
| Other | UNUM LIFE AND ACCIDENT | 118 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.