| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.07% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.03% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | 25 HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $640 | — | $640 | 3.08% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 44 WHIPPANY ROAD SUITE 220 MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | — | $40 | $40 | 0.19% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 28290 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $396 | — | $396 | 14.99% |
| CLIFFORD D STERN3 Filed as: CLIFFORD D. STERN | 49 MEADOW LAKE DRIVE MAHWAY, NJ 07430 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $97 | — | $97 | 9.98% |
| CERTIFIED FINANCIAL SERVICES3 Filed as: CERTIFIED FINANCIAL SERVICE | 52 FOREST AVENUE PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 1.03% |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 171 | $348K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 384 | $21K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 55 | $972 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 190 | $25K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 171 | $348K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 199 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.