| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS FIN DBA BENEFITMALL | 12404 PARK CENTRAL DR., STE. 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $58K | $17K | $75K | 4.08% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY | 20 WATERVIEW BLVD., STE. 401 PARSIPPANY, NJ 07054 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 3.74% |
| NEW AGENCY PARTNERS, LLC3 Filed as: NEW AGENCY PARTNERS LLC | 99 CHERRY HILL RD., STE. 200 PARSIPPANY, NJ 07054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.72% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | $1K | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 122 PARISH DR. WAYNE, NJ 07470 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY | 122 PARISH DR. WAYNE, NJ 07470 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 16.31% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $47 | $554 | $601 | 5.44% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $141 | — | $141 | 1.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW JERSEY, LLC | 20 WATERVIEW BLVD., STE. 401 PARSIPPANY, NJ 07054 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 15.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS. | 354 EISENHOWER PKWY., STE. 2850 LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $376 | $376 | 5.00% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER RD. MOORESTOWN, NJ 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $321 | — | $321 | 12.09% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NJ | 20 WATERVIEW BLVD., STE. 401 PARSIPPANY, NJ 07054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $257 | — | $257 | 9.68% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $43 | — | $43 | 1.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.98% |
| THELMA JEAN CITTA3 | PO BOX 4353 CHERRY HILL, NJ 08034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $333 | — | $333 | 13.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 122 PARISH DR. WAYNE, NJ 07470 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $111 | — | $111 | 4.98% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9 | $102 | $111 | 4.98% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER RD. MOORESTOWN, PA 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $44 | — | $44 | 5.12% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 0.47% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 2.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4 | — | $4 | 1.13% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 108 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 249 | $83K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 108 | $1.8M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 154 | $26K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 14 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 152 | $11K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 108 | $1.8M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 152 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.