| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE HEALTH AND BENEFITS LLC | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC. | $125K | — | $125K | 3.11% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INS SERVICES USA | 7 GIRALDA FRAMS 2ND FLOOR MADISON, NJ 07940 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 12.77% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC | 525 WEST MONROE SUITE 600 CHICAGO, IL 60661 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.23% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EINSENHOWER PKWY LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | — | $14K | 22.10% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE HEALTH AND BENEFITS LLC | 354 EINSENHOWER PKWY LIVINGSTON, NJ 07039 | HORIZON INSURANCE COMPANY | $2K | — | $2K | 10.03% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.05% |
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 | 743 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 743 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 367 | $4.0M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 367 | $4.0M |
| Vision | HORIZON INSURANCE COMPANY | 10 | $25K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 365 | $124K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 367 | $4.0M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 365 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.