| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $42K | — | $42K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $10K | — | $10K | 2.81% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PKWY, STE 520 SHORT HILLS, NJ 07078 | USABLE LIFE | $3K | — | $3K | 12.75% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PKWY, STE 520 SHORT HILLS, NJ 07078 | USABLE LIFE | $2K | — | $2K | 11.38% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 6.42% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE DENTAL, INC. | $805 | — | $805 | 4.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | VISION SERVICE PLAN | $903 | — | $903 | 6.75% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 181 | $1.5M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 113 | $60K |
| Vision | VISION SERVICE PLAN | 186 | $13K |
| Life insurance | USABLE LIFE | 282 | $21K |
| Long-term disability | USABLE LIFE | 209 | $27K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 181 | $344K |
| Other | USABLE LIFE | 282 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 282 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.