| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI, DIVISION OF GALLAGHER BENEFITS | 4000 MIDLANTIC DRIVE SUITE 300 MT LAUREL, NJ 08054 | HORIZON HEALTHCARE SERVICES INC | $3K | — | $3K | 4.50% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: RSI, DIVISION OF GALLAGHER BENEFITS | 4000 MIDLANTIC DRIVE SUITE 300 MT LAUREL, NJ 08054 | HEALTHCARE DENTAL INC | $866 | — | $866 | 4.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD W BLOOMINGTON, MN 55431 | USABLE LIFE | $3K | — | $3K | 14.23% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 7.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 3600 AMERICAN BLVD W BLOOMINGTON, MN 55431 | USABLE LIFE | $1K | — | $1K | 12.12% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $841 | $841 | 7.12% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDLANTIC DRIVE MT LAUREL TOWNSHIP, NJ 08054 | VISION SERVICE PLAN | $784 | — | $784 | 7.34% |
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 | 234 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 200 | $1.7M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES INC | 105 | $82K |
| Vision | VISION SERVICE PLAN | 185 | $11K |
| Life insurance | USABLE LIFE | 234 | $12K |
| Long-term disability | USABLE LIFE | 227 | $18K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 200 | $1.7M |
| Other | USABLE LIFE | 234 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.