| 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 | 4.14% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFIT GROUP, INC. | P.O. BOX 1689 PEARL RIVER, NJ 10965 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.78% |
| CAPAICITY BENEFITS AND FINANCIAL3 | ONE INTERNATIONAL BLVD MAHWAY, NJ 07495 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.09% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS GROUP | P.O. BOX 1689 PEARL RIVER, NY 10965 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $825 | — | $825 | 9.12% |
| CAPACITY BENEFITS AND FINANACIAL3 | ONE INTERNATIONAL BLVD MAHWAY, NJ 07945 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $73 | — | $73 | 0.81% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 93 | $1.2M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 156 | $9K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 117 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.