| 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. | $102K | $22K | $125K | 5.63% |
| 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 | 13.94% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $119 | $2K | 5.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWEVER PKWY., SUITE 400 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 5.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $1K | $5K | 31.92% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.28% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $656 | $60 | $716 | 5.45% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER ROAD MOORESTOWN, NJ 08057 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$141 | — | -$141 | -1.07% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 16.26% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVCS. | 354 EISENHOWER PKWY., STE. 2850 LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $565 | $565 | 5.42% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $2K | — | $2K | 17.84% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER RD. MOORESTOWN, PA 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $23 | — | $23 | 0.26% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.09% |
| 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 | 0.05% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWER PKWY., STE. 400 ROSELAND, NJ 07068 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 24.88% |
| INNOVATIVE BENEFIT PLANNING, LLC3 Filed as: INNOVATIVE BENEFIT PLANNING | 101A FOSTER RD. MOORESTOWN, NJ 08057 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $114 | — | $114 | 2.52% |
| GETTYSBURG BNFTS ADMIN INC3 Filed as: GETTYSBURG BENEFITS ADMIN INC. | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $46 | — | $46 | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $28 | — | $28 | 0.62% |
| THELMA JEAN CITTA3 | PO BOX 4353 CHERRY HILL, NJ 08034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $162 | — | $162 | 5.11% |
| BENEFIT MALL3 | 1133 WESTCHESTER AVE., STE. 229 WHITE PLAINS, NY 10604 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | $10 | $146 | 5.35% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW JERSEY | 101 EISENHOWEVER PKWY., SUITE 400 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $136 | — | $136 | 4.99% |
| GETTYSBURG BENEFITS ADMINISTRATION3 | PO BOX 1060 GETTYSBURG, PA 17325 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9 | — | $9 | 2.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 4000 MIDLANTIC DR. MOUNT LAUREL, NJ 08054 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5 | — | $5 | 1.31% |
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 | 198 | 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) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 122 | $2.2M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 296 | $15K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 122 | $2.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $29K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 19 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $13K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 122 | $2.2M |
| Other(6 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 198 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 296 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.