| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUFFY LIVINGSTON LLC3 Filed as: DUFFY & LIVINGSTON LLC | 200 ATLANTIC AVENUE MANASQUAN, NJ 08736 | HORIZON HEALTHCARE SERVICES, INC. | $34K | — | $34K | 2.20% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC. | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | — | $20K | 10.99% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R. NELLIGAN & ASSOC. | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 8.94% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 200 ATLANTIC AVENUE, STE J MANASQUAN, NJ 08736 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 1.92% |
| DUFFY LIVINGSTON LLC3 Filed as: DUFFY & LIVINGSTON LLC | 718 RIVER ROAD FAIR HAVEN, NJ 077043359 | VISION SERVICE PLAN | $1K | — | $1K | 5.77% |
| DUFFY LIVINGSTON LLC3 Filed as: DUFFY & LIVINGSTON, LLC | 718 RIVER ROAD FAIR HAVEN, NJ 077043359 | VISION SERVICE PLAN | $148 | — | $148 | 9.98% |
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 | 280 | 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) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 120 | $1.5M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $178K |
| Vision(2 contracts) | VISION SERVICE PLAN | 90 | $20K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $178K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 280 | $100K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $178K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 120 | $1.5M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 219 | $178K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.