| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $36K | — | $36K | 2.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $18K | — | $18K | 1.13% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 1.13% |
| GARY M. SHICKORA3 Filed as: GARY ZALIS | 501 FELLOWSHIP ROAD SUITE 303 MOUNT LAUREL, NJ 080543419 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | — | $17K | 5.76% |
| THE ZALIS ORGANIZATION3 | 29 STONE MOUNTAIN LANE MARLTON, NJ 080532029 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 4.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 2.65% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $389 | $5K | 1.82% |
| BARRY M SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $827 | $73 | $900 | 5.36% |
| ANNE SCOFF3 Filed as: ANNE SCHOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $224 | — | $224 | 1.33% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ, JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $187 | — | $187 | 1.11% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $157 | $12 | $169 | 1.01% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $110 | — | $110 | 0.65% |
| IRA M ARDEN3 | 40 WINDHAM CT FLEMINGTON, NJ 08648 | AFLAC | $97 | — | $97 | 0.58% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICE, INC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $51 | — | $51 | 0.30% |
| MARK SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $30 | — | $30 | 0.18% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $29 | — | $29 | 0.17% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIR FLEMINGTON, NJ 08822 | AFLAC | $13 | — | $13 | 0.08% |
| ALBERT SHUST3 | 200 CENTRAL AVE. SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $12 | — | $12 | 0.07% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 87A BOOREAM AVE JERSEY CITY, NJ 07307 | AFLAC | $12 | — | $12 | 0.07% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $11 | — | $11 | 0.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $9 | — | $9 | 0.05% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $7 | — | $7 | 0.04% |
| REY ROSTAMI3 | P.O. BOX 625 STOCKHOLM, NJ 07460 | AFLAC | $5 | — | $5 | 0.03% |
| NANCY M ANDERSON3 Filed as: NANCY M. ANDERSON | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $2 | — | $2 | 0.01% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.01% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRING PA, PA 19608 | AFLAC | $1 | — | $1 | 0.01% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $0 | — | $0 | 0.00% |
| JULIO E ZURITA3 | 273 VALLEY ROAD RIVER EDGE, NJ 07661 | AFLAC | $0 | — | $0 | 0.00% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $0 | — | $0 | 0.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | HORIZON INSURANCE COMPANY | $797 | — | $797 | 6.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON INSURANCE COMPANY | $383 | — | $383 | 3.24% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 126 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $288K |
| Vision | HORIZON INSURANCE COMPANY | 126 | $12K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $288K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $288K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $288K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 126 | $398K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 505 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 505 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.