| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FINANCIAL SER | ONE INTERNATIONAL BOULEVARD MAHWAH, NJ 07495 | HORIZON HEALTHCARE SERVICES, INC. | $52K | — | $52K | 3.63% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE - STE. 200 LAMBERTVILLE, NJ 08530 | HORIZON HEALTHCARE SERVICES, INC. | $7K | — | $7K | 7.97% |
| CAPACITY BENEFITS & FINANCIAL SERV3 Filed as: CAPACITY BENEFIT AND FINANCIAL | 1 INTERNATIONAL BLVD MAHWAH, NJ 07495 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.25% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 2421 ATLANTIC AVE. MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $931 | — | $931 | 2.19% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERVERS | 700 W 47TH STREET KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $147 | $147 | 0.35% |
| CAPACITY BENEFITS AND FINANCIAL3 | 1 INTERNATION BLVD MAHWAH, NJ 07495 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.57% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV. | 2421 ATLANTIC AVE. MANASQUAN, NJ 08736 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $711 | — | $711 | 1.70% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET KANSAS CITY, MO 64112 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $142 | $142 | 0.34% |
| CAPACITY BENEFITS & FINANCIAL SERV3 | 1 INTERNATIONAL BLVD MAHWAH, NJ 07494 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $478 | — | $478 | 5.60% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | 700 W 47TH STREET KANSAS CITY, MO 64112 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $227 | — | $227 | 2.66% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 98 | $1.4M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 109 | $94K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 143 | $9K |
| Life insurance | HORIZON HEALTHCARE SERVICES, INC. | 98 | $1.4M |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $84K |
| Long-term disability | HORIZON HEALTHCARE SERVICES, INC. | 98 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.