| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $70K | — | $70K | 3.43% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 7.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 4851 LBJ FREEWAY SUITE 100 DALLAS, TX 75244 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.97% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $4K | $2K | $5K | 14.94% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 5.27% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $3K | $887 | $4K | 21.61% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.00% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY #1 LIVINGSTON, NY 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $724 | — | $724 | 4.15% |
| MARTIN FINANCIAL GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $148 | — | $148 | 0.85% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $41 | $10 | $51 | 71.83% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $19 | $19 | 26.76% |
| DENNIS FENNELL3 | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $5K | $138 | $5K | — |
| TREVOR FENNELL3 Filed as: TREVOR R FENNELL | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NE 11375 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $3K | — | $3K | — |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R ORGERA | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1K | $8 | $1K | — |
| DENNIS T. FENNELL3 Filed as: DENNIS T FENNELL | 8 BELVOIR DRIVE WASHINGTONVILLE, NY 10992 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $524 | — | $524 | — |
| RYAN K GOLDBERG3 | 103 CHURCH STREET #3 PHILADELPHIA, PA 19106 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $427 | — | $427 | — |
| KENNETH C MEIER CORP3 Filed as: KENNETH C MEIER | 11835 QUEENS BOULEVARD SUITE 1403 FOREST HILLS, NY 33496 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $397 | — | $397 | — |
| RICHARD WHELAND3 | 3507 NORTHWEST CLUBSIDE CIRCLE BOCA RATON, FL 33495 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $230 | $15 | $245 | — |
| JACQUELINE CASTRO3 Filed as: JACQUELINE S CASTRO | 100 WALL STREET FLOOR 28 NEW YORK, NY 10005 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $213 | — | $213 | — |
| WILLIAM O'CONNELL3 Filed as: WILLIAM J O'CONNELL | 98 LOIS LANE MONROE, NY 10950 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $200 | — | $200 | — |
| ANDBEE CORP3 | PO BOX 84 SOUTHFIELDS, NY 10975 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $185 | — | $185 | — |
| RONALD J MOGG JR3 Filed as: RONALD J MOGG | 184 OLD MAMARONECK ROAD WHITE PLAINS, NY 10605 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $160 | — | $160 | — |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $146 | — | $146 | — |
| RUSSELL T BARRETT3 | 10 AZALEA DRIVE SARATOGA SPRINGS, NY 12866 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $128 | — | $128 | — |
| SHARON L SPARKS-RENAUD3 | 75 CARNEY DRIVE CARNEYS POINT, NJ 08069 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $125 | — | $125 | — |
| KENNETH R MEIER3 | 103 EDISON STREET CLIFTON, NJ 07013 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $125 | — | $125 | — |
| BRIAN WHITE3 Filed as: BRIAN M WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $76 | — | $76 | — |
| JASON D HARTMAN3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $67 | — | $67 | — |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PLACE SICKERVILLE, NJ 08081 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $67 | — | $67 | — |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET 11C NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $62 | — | $62 | — |
| BENITO A ROTONDI II INC3 Filed as: BENITO A ROTONDI II | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $53 | — | $53 | — |
| CROWN RISK MANAGEMENT, LLC3 Filed as: CAVAZOS RISK MANAGEMENT LLC | 11551 NUCKOLS ROAD SUITE P GLEN ALLEN, VA 23059 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $42 | — | $42 | — |
| MICHAEL S CHILLE3 | 21 ST THOMAS MORE DRIVE WINCHESTER, MA 01890 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $41 | — | $41 | — |
| CHARLES J MULE3 | 147 UNION STREET BROOKLYN, NY 11231 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $33 | — | $33 | — |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $33 | — | $33 | — |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD SUITE 12B LINWOOD, NJ 08221 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $32 | — | $32 | — |
| RICHARD P MULLEN3 | 929 TEANECK ROAD APARTMENT 1C TEANECK, NJ 07666 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $32 | — | $32 | — |
| DOMINICK R SIRACUSA3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $21 | — | $21 | — |
| MICHAEL T REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $20 | — | $20 | — |
| TODD J BURKE CORP3 Filed as: TODD J BURKE | 1 SEAPORT PLAZA 23RD FLOOR NEW YORK, NY 10038 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $19 | — | $19 | — |
| ALBERT SHUST3 | 200 CENTENNIAL AVENUE SUITE 105 PISCATAWAY, NJ 08854 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $15 | — | $15 | — |
| KEVIN R MCINERNEY3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $14 | — | $14 | — |
| MELISSA A SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $9 | — | $9 | — |
| AMY K FOY3 | 804 MCCOY ROAD FRANKLIN LAKES, NJ 07417 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $6 | — | $6 | — |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $4 | — | $4 | — |
| JUDITH S KASS3 | 47 MORNING WATCH ROAD WAYNE, NJ 07470 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $2 | — | $2 | — |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 23 MORGAN DRIVE SPARTA, NJ 07871 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | — |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | 60 US HIGHWAY 46 SUITE 4 FAIRFIELD, NJ 07004 | AMERICAN FAMILY LIFE ASSURANCE COMPANY | $1 | — | $1 | — |
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 | 154 | 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) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 131 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 124 | $114K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 114 | $17K |
| Life insurance(2 contracts, 2 carriers) | USABLE LIFE | 154 | $35K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 131 | $2.0M |
| Other(4 contracts, 2 carriers) | USABLE LIFE | 154 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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.