| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $33K | $12K | $44K | 3.81% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $5K | $2K | $7K | 3.81% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 2.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $4K | — | $4K | 13.93% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.21% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $4K | — | $4K | 16.95% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 7.98% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $2K | — | $2K | 13.58% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 6.50% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA ASCELA PARTNERS NEWARK, DE 19713 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $474 | — | $474 | 3.19% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $283 | $0 | $283 | 1.91% |
| JEFF M NEWMAN3 Filed as: JEFF M NEWAN | 1007 E SHORE DR BRIGANTINE, NJ 08203 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $130 | $7 | $137 | 0.92% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $110 | $1 | $111 | 0.75% |
| INTEGRITY ASSOCIATES INS. SERVICES3 Filed as: INTEGRITY INSURANCE INC | 123 PINE VALLEY DRIVE MIDDLETOWN, DE 19709 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $83 | — | $83 | 0.56% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $76 | — | $76 | 0.51% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $27 | $1 | $28 | 0.19% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | — | $15 | 0.10% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $2K | — | $2K | 17.22% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 8.10% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.03% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $468 | — | $468 | 16.98% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $220 | $220 | 7.98% |
| A&H DIRECT ARCH INSURANCE COMPANY3 | 1601 CHERRY STREET PHILADELPHIA, PA 19102 | ARCH INSURANCE COMPANY | — | — | $0 | 0.00% |
| PCF INSURANCE SERVICES OF THE WEST3 | DBA ASCELA PARTNERS NEWARK, DE 19713 | THE PAUL REVERE LIFE INSURANCE COMPANY | $78 | — | $78 | 3.89% |
| HARRY LORE3 | 4 GLANFORD CROSSING MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | — | $62 | 3.09% |
| HARMONY BENEFITS LLC3 | 17 MIDBRIDGE DR MEDFORD, NJ 08055 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.70% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | — | $10 | 0.50% |
| SOTERIA PARTNERS LLC3 | 77 HAGGERTY DR WEST ORANGE, NJ 07052 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.30% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.20% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE DENTAL, INC. | $41 | — | $41 | 2.06% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 86 | $1.2M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 92 | $90K |
| Vision | HORIZON INSURANCE COMPANY | 73 | $12K |
| Life insurance | USABLE LIFE | 119 | $18K |
| Long-term disability | USABLE LIFE | 119 | $29K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 50 | $179K |
| Other(8 contracts, 5 carriers) | USABLE LIFE | 127 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 127 | — |
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.