| 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. | $84K | $0 | $84K | 3.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK, 1ST FLOOR WHIPPANY, NJ 07961 | DELTA DENTAL OF NEW JERSEY, INC. | $20K | $0 | $20K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $2K | $16K | 12.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MATSONFORD ROAD 4 RADNOR CORP. CENTER, SUITE 510 RADNOR, PA 19087 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.01% |
| AUTUMN STROHMAIER3 Filed as: AUTUMN STROHMAIER AND VARIOUS AGENT | 573 BELLEVUE ROAD, SUITE B NEWARK, DE 19713 | AFLAC | $776 | $15 | $791 | 3.11% |
| PURAZZO INSURANCE SERVICES, INC.3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $513 | $29 | $542 | 2.13% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $421 | $0 | $421 | 1.65% |
| CONSTANCE A TREIBLE3 Filed as: CONSTANCE A. TREIBLE | 128 WILLIAMS ROAD CRESCO, PA 18326 | AFLAC | $229 | $0 | $229 | 0.90% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $220 | $5 | $225 | 0.88% |
| MICHAEL A FORNARO3 Filed as: MICHAEL A. FORNARO | 271 US HIGHWAY 46, SUITE H119 FAIRFIELD, NJ 07004 | AFLAC | $103 | $0 | $103 | 0.40% |
| JAIME VALENTINI3 Filed as: JAIME S. VALENTINI | 120 OAK STREET ANACONDA, MT 59711 | AFLAC | $89 | $0 | $89 | 0.35% |
| 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 | 248 | 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) | 248 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 199 | $2.8M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 520 | $205K |
| Vision | VISION SERVICE PLAN | 225 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $123K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $123K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $123K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 199 | $2.8M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 366 | $140K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 520 | — |
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.