| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON HEALTHCARE SERVICES, INC. | $29K | — | $29K | 1.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 0.29% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY, STE 1950 ATLANTA, GA 30339 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $6K | — | $6K | 5.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NJ | PO BOX 5002 SHORT HILLS, NJ 07078 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $3K | — | $3K | 3.46% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY 0, SUITE 1950 ATLANTA, GA 30339 | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | $7K | — | $7K | 10.47% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 300 EXECUTIVE DRIVE WEST ORANGE, NJ 07052 | HORIZON INSURANCE COMPANY | $863 | — | $863 | 8.24% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON INSURANCE COMPANY | $188 | — | $188 | 1.80% |
| WILLIS TOWERS WATSON US LLC0 Filed as: WILLIS OF NEW JERSEY, INC. (1) | 350 MT. KEMBLE AVE MORRISTOWN, NJ 07962 | HORIZON INSURANCE COMPANY | $324 | — | $324 | 9.98% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 171 | $2.0M |
| Vision(2 contracts) | HORIZON INSURANCE COMPANY | 72 | $14K |
| Life insurance | AMERICAN GENERAL LIFE INSURANCE COMPANY | 226 | $94K |
| Short-term disability(2 contracts, 2 carriers) | AMERICAN GENERAL LIFE INSURANCE COMPANY | 240 | $164K |
| Long-term disability | AMERICAN GENERAL LIFE INSURANCE COMPANY | 226 | $94K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 171 | $2.0M |
| Other | AMERICAN GENERAL LIFE INSURANCE COMPANY | 226 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 240 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.