| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1800 CHAPEL AVENUE WEST CHERRY HILL, NJ 08002 | HORIZON HEALTHCARE SERVICES, INC. | $92K | $0 | $92K | 3.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1800 CHAPEL AVENUE WEST, SUITE 160 CHERRY HILL, NJ 08002 | DELTA DENTAL OF NEW JERSEY, INC. | $23K | $0 | $23K | 10.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $2K | $17K | 13.30% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO & OTHER AGENTS | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $840 | $0 | $840 | 3.05% |
| PURAZZO INSURANCE SERVICES, INC.3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $672 | $0 | $672 | 2.44% |
| AUTUMN STROHMAIER3 | 176 SOUTH SHORE ROAD ELKTON, MD 21921 | AFLAC | $459 | $0 | $459 | 1.67% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 60 US HIGHWAY 46, AFLAC OFFICE FAIRFIELD, NJ 07004 | AFLAC | $294 | $0 | $294 | 1.07% |
| CONSTANCE A TREIBLE3 Filed as: CONSTANCE A. TREIBLE | 128 WILLIAMS ROAD CRESCO, PA 18326 | AFLAC | $229 | $0 | $229 | 0.83% |
| JASON ALLAN BARE3 | 203 MARKET STREET, SUITE 210 HAVRE DE GRACE, MD 21078 | AFLAC | $154 | $0 | $154 | 0.56% |
| AUTUMN STROHMAIER3 | 254 CHAPMAN ROAD, SUITE 203 NEWARK, DE 19702 | AFLAC | $151 | $0 | $151 | 0.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
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 | 367 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 374 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 208 | $2.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 225 | $211K |
| Vision | VISION SERVICE PLAN | 228 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $127K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $127K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $127K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 208 | $2.7M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 367 | $160K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 367 | — |
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.