| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | HORIZON HEALTHCARE SERVICES, INC. | $33K | — | $33K | 1.76% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $24K | — | $24K | 1.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | HORIZON HEALTHCARE SERVICES, INC. | $9K | — | $9K | 2.04% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 1.22% |
| SCHECHNER LIFSON CORPORATION3 Filed as: SCHECHNER LIFSON CORP | 4 CHATHAM ROAD SUMMI, NJ 07901 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 4.45% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 3.02% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $4K | — | $4K | 10.47% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA, EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 5.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $524 | — | $524 | 1.26% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $3K | — | $3K | 9.54% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA, EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 5.27% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | USABLE LIFE | $470 | — | $470 | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | HORIZON INSURANCE COMPANY | $984 | — | $984 | 5.95% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON INSURANCE COMPANY | $669 | — | $669 | 4.05% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 177 | $1.9M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 192 | $91K |
| Vision | HORIZON INSURANCE COMPANY | 145 | $17K |
| Life insurance | USABLE LIFE | 194 | $34K |
| Long-term disability | USABLE LIFE | 194 | $42K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 177 | $426K |
| Other | USABLE LIFE | 194 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.