| 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. | $89K | — | $89K | 2.68% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE HEALTH AND BENEFITS LLC | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 3.30% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | THE GUARDIAN LIFE INCURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 18.60% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PKWY LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 9.11% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 2338 IMMOKALEE ROAD, STE 240 NAPLES, FL 34110 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $990 | — | $990 | 4.14% |
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. |
| Total participants (= "Plan participants" tile) | 271 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 271 | $3.3M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 271 | $177K |
| Vision | THE GUARDIAN LIFE INCURANCE COMPANY OF AMERICA | 183 | $27K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $24K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 295 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.