| 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. | $29K | $11K | $40K | 3.81% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $169K | $2K | $171K | 100.12% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 1.99% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $4K | — | $4K | 14.08% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.31% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $4K | — | $4K | 17.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $2K | — | $2K | 13.49% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 6.47% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA ASCELA PARTNERS NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $624 | $2 | $626 | 3.98% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $364 | $19 | $383 | 2.43% |
| JEFF M NEWMAN3 Filed as: JEFF M NEWAN | 1007 E SHORE DR BRIGANTINE, NJ 08203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $232 | $63 | $295 | 1.87% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $50 | $253 | 1.61% |
| 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 | $105 | — | $105 | 0.67% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $93 | — | $93 | 0.59% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $67 | $25 | $92 | 0.58% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $2K | — | $2K | 17.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 8.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 9.96% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $433 | — | $433 | 16.99% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $204 | $204 | 8.00% |
| SAVOY ASSOCIATES3 Filed as: SAVOY ASSOCIATES AH (BROKER) | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | ARCH INSURANCE COMPANY | — | — | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA ASCELA PARTNERS NEWARK, DE 19713 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | — | $66 | 3.59% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $53 | — | $53 | 2.88% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.60% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.44% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.44% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE DENTAL, INC. | $35 | — | $35 | 1.97% |
| A&H DIRECT ARCH INSURANCE COMPANY3 | 1601 CHERRY STREET PHILADELPHIA, PA 19102 | ARCH INSURANCE COMPANY | — | — | $0 | 0.00% |
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 | 134 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 96 | $1.0M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 101 | $89K |
| Vision | HORIZON INSURANCE COMPANY | 86 | $13K |
| Life insurance | USABLE LIFE | 134 | $17K |
| Long-term disability | USABLE LIFE | 134 | $29K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 95 | $171K |
| Other(9 contracts, 5 carriers) | USABLE LIFE | 134 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.