| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP LLC | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $44K | — | $44K | 4.87% |
| THE TARPEY GROUP, LLC3 Filed as: THE TARPEY GROUP LLC | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $11K | — | $11K | 4.92% |
| BRIAN G. TARPEY3 | 1066 PINES LAKE DRIVE WEST WAYNE, NJ 07470 | GUARDIAN | $7K | — | $7K | 6.65% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | GUARDIAN | — | $2K | $2K | 1.99% |
| INTERNL PLANNING ALL LLC4 | 300 BROADACRES DRIVE STE 175 BLOOMFIELD, NJ 07003 | GUARDIAN | $673 | — | $673 | 0.66% |
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 | 79 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 66 | $894K |
| Dental | GUARDIAN | 79 | $101K |
| Life insurance | GUARDIAN | 79 | $101K |
| Long-term disability | GUARDIAN | 79 | $101K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 66 | $220K |
| Other | GUARDIAN | 79 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 79 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.