| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTOMARE FINANCIAL GROUP, INC.3 | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $41K | $11K | $52K | 4.91% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | USABLE LIFE | $5K | — | $5K | 12.48% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 7.66% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | USABLE LIFE | $634 | — | $634 | 1.66% |
| JACOBSON GOLDFARB & SCOTT INC3 Filed as: JACOBSON GOLDFARB AND SCOTT INC. | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | USABLE LIFE | $128 | — | $128 | 0.34% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP INC | 1680 ROUTE 23 NORTH SUITE 200 WAYNE, NJ 07470 | USABLE LIFE | $128 | — | $128 | 0.34% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS, LLC | 101 CRAWFORDS CORNER ROAD HOLMDEL, NJ 07733 | VISON SERVICE PLAN | $74 | — | $74 | 0.68% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | VISON SERVICE PLAN | $42 | — | $42 | 0.38% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISON SERVICE PLAN | $13 | — | $13 | 0.12% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 121 | $1.1M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 121 | $1.1M |
| Vision | VISON SERVICE PLAN | 101 | $11K |
| Life insurance | USABLE LIFE | 136 | $38K |
| Long-term disability | USABLE LIFE | 136 | $38K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 121 | $1.1M |
| Other | USABLE LIFE | 136 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.
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.