| 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. | $50K | $12K | $61K | 5.61% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $15K | $4K | $19K | 5.61% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $3K | $6K | 9.86% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $3K | — | $3K | 11.20% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.66% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $510 | — | $510 | 1.98% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $3K | — | $3K | 12.29% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 7.88% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $468 | — | $468 | 1.97% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $1K | — | $1K | 10.34% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $875 | $875 | 6.98% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $250 | — | $250 | 1.99% |
| SAVOY ASSOCIATES3 | 200 CONTINENTAL DRIVE SUITE 305 NEWARK, DE 19713 | HORIZON INSURANCE COMPANY | $827 | — | $827 | 10.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE DENTAL, INC. | $309 | $313 | $622 | 9.94% |
| CUSTOMIZED BENEFIT SOLUTIONS3 Filed as: CUSTOMIZED BENEFIT SOLUTIONS INC | 125 RAILROAD AVENUE SUITE 2 HIGHTSTOWN, NJ 08520 | USABLE LIFE | $150 | — | $150 | 12.10% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $97 | $97 | 7.82% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | USABLE LIFE | $24 | — | $24 | 1.94% |
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 | 124 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 86 | $1.1M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 81 | $69K |
| Vision | HORIZON INSURANCE COMPANY | 99 | $8K |
| Life insurance | USABLE LIFE | 123 | $13K |
| Long-term disability | USABLE LIFE | 123 | $26K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 86 | $332K |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 123 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.