| 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. | $28K | — | $28K | 2.84% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $7K | — | $7K | 2.84% |
| 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 | 13.31% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $984 | — | $984 | 4.08% |
| 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 | 11.68% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 6.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE DENTAL, INC. | $569 | — | $569 | 4.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | VISION SERVICE PLAN | $909 | — | $909 | 8.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | -$155 | — | -$155 | -1.48% |
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 | 271 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 165 | $969K |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 114 | $38K |
| Vision | VISION SERVICE PLAN | 157 | $10K |
| Life insurance | USABLE LIFE | 248 | $20K |
| Long-term disability | USABLE LIFE | 186 | $26K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 167 | $230K |
| Other | USABLE LIFE | 248 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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."
No prospect flags tripped on this filing.