| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $27K | — | $27K | 3.08% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $8K | — | $8K | 2.77% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | USABLE LIFE | $3K | — | $3K | 15.65% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 7.19% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, NJ 07105 | USABLE LIFE | $3K | — | $3K | 13.32% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $1K | $1K | 6.34% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ASSURED | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $961 | — | $961 | 10.11% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21031 | USABLE LIFE | $151 | — | $151 | 8.84% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $71 | $71 | 4.16% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 118 | $869K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 88 | $10K |
| Life insurance(2 contracts) | USABLE LIFE | 153 | $21K |
| Long-term disability | USABLE LIFE | 133 | $21K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 118 | $306K |
| Other(2 contracts) | USABLE LIFE | 153 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.