| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 1800 CHAPEL AVENUE WEST, SUITE 160 CHERRY HILL, NJ 08002 | DELTA DENTAL OF NEW JERSEY, INC. | $20K | $0 | $20K | 10.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $2K | $20K | 12.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1111 SUPERIOR AVENUE EAST SUITE 1601 CLEVELAND, OH 44114 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $18 | $18 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $2K | $0 | $2K | 10.00% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $2K | $62 | $2K | 6.95% |
| JASON D ELLIS3 Filed as: JASON ALLAN BARE AND OTHER AGENTS | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $656 | $16 | $672 | 2.94% |
| PURAZZO INSURANCE SERVICES, INC.3 | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $294 | $0 | $294 | 1.29% |
| CONSTANCE A TREIBLE3 Filed as: CONSTANCE A. TREIBLE | 128 WILLIAMS ROAD CRESCO, PA 18326 | AFLAC | $183 | $0 | $183 | 0.80% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $172 | $5 | $177 | 0.77% |
| ZORN BENEFITS GROUP LLC3 Filed as: ZORN BENEFITS GROUP, LLC | 179 SOUTH GLEN ROAD KINNELON, NJ 07405 | AFLAC | $154 | $0 | $154 | 0.67% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 603 WESTBURY ROAD FALLSTON, MD 21047 | AFLAC | $128 | $5 | $133 | 0.58% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 21.75% |
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 | 416 | 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) | 416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 206 | $2.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 534 | $195K |
| Vision | VISION SERVICE PLAN | 233 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $155K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $155K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $155K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 206 | $2.9M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 416 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 534 | — |
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.