| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 200 LAMBERTVILLE, NJ 08530 | HORIZON HEALTHCARE SERVICES INC | $27K | — | $27K | 1.99% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 200 LAMBERTVILLE, NJ 08530 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 4.63% |
| DONAL C. SAVOY INC Filed as: DONAL C. SAVOY INC. | 445 BROADHOLLOW RD STE 119 MELVILLE, NY 11747 | — | $7 | — | $7 | 6.54% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 200 LAMBERTVILLE, NJ 08530 | HORIZON HEALTHCARE SERVICES INC | $8K | — | $8K | — |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 118 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 71 | $48K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 118 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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.