| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $27K | $10K | $37K | 3.78% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $5K | $2K | $6K | 3.78% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 2.01% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $4K | — | $4K | 21.79% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 10.26% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $4K | — | $4K | 20.79% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 9.62% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA ASCELA PARTNERS NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $711 | — | $711 | 4.18% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $415 | $15 | $430 | 2.53% |
| JEFF M NEWMAN3 Filed as: JEFF M NEWAN | 1007 E SHORE DR BRIGANTINE, NJ 08203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $211 | $70 | $281 | 1.65% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $201 | $40 | $241 | 1.42% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY ASSOCAITES | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $107 | — | $107 | 0.63% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.62% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $75 | $27 | $102 | 0.60% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.10% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $2K | — | $2K | 18.03% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $909 | $909 | 7.25% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $2K | — | $2K | 19.82% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $932 | $932 | 9.33% |
| A&H DIRECT ARCH INSURANCE COMPANY3 | 1601 CHERRY STREET PHILADELPHIA, PA 19102 | ARCH INSURANCE COMPANY | — | — | $0 | 0.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE DENTAL, INC. | $52 | — | $52 | 2.01% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $386 | — | $386 | 18.64% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $182 | $182 | 8.79% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA ASCELA PARTNERS NEWARK, DE 19713 | THE PAUL REVERE LIFE INSURANCE COMPANY | $72 | — | $72 | 3.59% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $57 | — | $57 | 2.84% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.60% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.45% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.45% |
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 | 129 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 93 | $978K |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 98 | $92K |
| Vision | HORIZON INSURANCE COMPANY | 80 | $13K |
| Life insurance | USABLE LIFE | 131 | $13K |
| Long-term disability | USABLE LIFE | 126 | $18K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 93 | $164K |
| Other(8 contracts, 5 carriers) | USABLE LIFE | 131 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.