| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE TARPEY GROUP, LLC3 | 310 PASSIAC AVE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $49K | $0 | $49K | 2.01% |
| THE TARPEY GROUP, LLC3 | 310 PASSAIC AVE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $23K | $0 | $23K | 3.45% |
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP LLC | 310 PASSIAC AVE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $0 | $7K | 5.00% |
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP LLC | 310 PASSIAC AVE SUITE 202 FAIRFIELD, NJ 07004 | USABLE LIFE | $4K | — | $4K | 7.15% |
| HORIZON INSURANCE COMPANY3 | 9 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $4K | $4K | 6.80% |
| THE TARPEY GROUP, LLC3 | 310 PASSIAC AVE STE 202 FAIRFIELD, NJ 07004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 9.93% |
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 | 287 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 287 | $2.4M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 299 | $148K |
| Life insurance | USABLE LIFE | 584 | $52K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $41K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 287 | $653K |
| Other | USABLE LIFE | 584 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 584 | — |
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.