| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $22K | $5K | $27K | 2.79% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $21K | $5K | $26K | 2.70% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $8K | $2K | $9K | 3.18% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $7K | $1K | $8K | 2.80% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE SUITE 2 HIGHTSTOWN, NJ 08520 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 6.17% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.31% |
| MARTIN FINANCIAL GROUP3 | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.97% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC-NJ | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $3K | — | $3K | 13.48% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 7.09% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $219 | — | $219 | 1.00% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $218 | — | $218 | 1.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $3K | — | $3K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.00% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $194 | — | $194 | 1.01% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $191 | — | $191 | 0.99% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $1K | — | $1K | 12.26% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $814 | $814 | 7.21% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $113 | — | $113 | 1.00% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $113 | — | $113 | 1.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $122 | — | $122 | 15.01% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $65 | $65 | 8.00% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $8 | — | $8 | 0.98% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $8 | — | $8 | 0.98% |
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. | 82 | $965K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 187 | $78K |
| Life insurance | USABLE LIFE | 122 | $11K |
| Long-term disability | USABLE LIFE | 122 | $22K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 82 | $288K |
| Other(3 contracts) | USABLE LIFE | 122 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 187 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.