| 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 | $28K | — | $28K | 1.94% |
| 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 | $10K | — | $10K | 1.94% |
| 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. | $3K | — | $3K | 5.36% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 200 LAMBERTVILLE, NJ 08530 | ALPHA DENTAL PROGRAMS INC | $193 | — | $193 | 3.00% |
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 | 130 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 130 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 79 | $62K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 130 | $518K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.