| 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. | $50K | — | $50K | 4.64% |
| 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 | 8.00% |
| CAPACITY BENEFITS AND FINANCIAL3 | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 11.64% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FIANCIAL | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 8.32% |
| CAPACITY BENEFITS AND FINANCIAL3 | ONE INTERNATIONAL BLVD MAHWAH, NJ 07495 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 9.88% |
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 | 169 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 95 | $1.1M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 106 | $89K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 169 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $40K |
| Short-term disability(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $68K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 131 | $40K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 48 | $198K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 169 | — |
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.