| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 Filed as: SAVOY ASSOCIATES (2) | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC | $67K | $14K | $81K | 5.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC | 2850 GOLD RD ROLLING MEADOWS, IL 60008 | HORIZON HEALTHCARE SERVICES, INC | $6K | $1K | $7K | 0.50% |
| SAVOY ASSOCIATES3 Filed as: SAVOY ASSOCIATES (2) | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $13K | $3K | $16K | 5.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES, INC | 2850 GOLF RD ROLLING MEADOWS, IL 60008 | HORIZON HEALTHCARE SERVICES, INC. | $1K | $256 | $1K | 0.50% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 445 HAMILTON AVENUE 10TH FLOOR WHITE PLANS, NY 10601 | DELTA DENTAL OF NEW JERSEY, INC | $4K | — | $4K | 4.30% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 445 HAMILTON AVENUE 10TH FLOOR WHITE PLANS, NY 10601 | GUARDIAN | $5K | $632 | $6K | 11.49% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | VSP VISION CARE | $1K | — | $1K | 5.13% |
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 | 134 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 85 | $1.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 101 | $100K |
| Vision | VSP VISION CARE | 95 | $20K |
| Life insurance | GUARDIAN | 134 | $51K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 85 | $301K |
| Other | GUARDIAN | 134 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.