| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY STREET NEW YORK, NY 10281 | HORIZON HEALTHCARE SERVICES, INC. | $58K | — | $58K | 1.73% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | HORIZON HEALTHCARE SERVICES, INC. | $42K | — | $42K | 1.26% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | DELTA DENTAL OF NJ, INC. | $6K | — | $6K | 1.97% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | DELTA DENTAL OF NJ, INC. | $1K | — | $1K | 0.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS CORROON CORP OF NY INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY ST, 6TH FLR, STE 6 NEW YORK, NY 10281 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.22% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE SUITE 100 MT. LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA INC | PO BOX 101162 PASADENA, CA 911890001 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 0.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 1 WORLD FINANCIAL CENTER NEW YORK, NY 102811003 | VISION SERVICE PLAN | $756 | — | $756 | 4.84% |
| CORPORATE SYNERGIES GROUP LLC3 | PO BOX 654118 DALLAS, TX 752654118 | VISION SERVICE PLAN | $523 | — | $523 | 3.35% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC | ONE WORLD FINANCIAL CENTER 200 LIBERTY STREET NEW YORK, NY 10281 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $37 | $37 | — |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 217 | $3.4M |
| Dental | DELTA DENTAL OF NJ, INC. | 222 | $288K |
| Vision | VISION SERVICE PLAN | 122 | $16K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 256 | $227K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 256 | $227K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 217 | $3.4M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 256 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.