| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC Filed as: MARCH & MCLENNAN AGENCY | 250 PEHLE AVE SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES, INC | $23K | — | $23K | 2.74% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | PARK 80 WEST PLAZA TWO 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NJ, INC | $12K | — | $12K | 12.98% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN | 250 PEHLE AVENUE PLAZA TWO, SUITE 400 SADDLE BROOK, NJ 07663 | USABLE LIFE | $2K | — | $2K | 9.98% |
| HORIZON INSURANCE COMPANY | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 7.69% |
| MARSH & MCLENNAN AGENCY LLC | 250 PEHLE AVE SUITE 400 SADDLE BROOK, NJ 07663 | AMERITAS LIFE INSURANCE CORP | $400 | $91 | $491 | 13.41% |
| MARSH & MCLENNAN AGENCY LLC Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | USABLE | $244 | — | $244 | 55.96% |
| HORIZON INSURANCE COMPANY | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE | — | $191 | $191 | 43.81% |
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 | 117 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 80 | $826K |
| Dental | DELTA DENTAL OF NJ, INC | 100 | $90K |
| Vision | AMERITAS LIFE INSURANCE CORP | 63 | $4K |
| Life insurance | USABLE LIFE | 116 | $24K |
| Short-term disability | USABLE | 14 | $436 |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 80 | $826K |
| Other | USABLE LIFE | 116 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.