| 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. | $57K | $17K | $74K | 4.38% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $3K | $13K | 4.38% |
| MARTIN FINANCIAL GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 2.52% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 9.79% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 4.89% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY #1 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| MARTIN FINANCIAL GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $730 | — | $730 | 5.00% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $212 | — | $212 | 10.00% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $106 | $106 | 5.00% |
| KORE INSURANCE HOLDINGS LLC3 Filed as: KORE INSURANCE HOLDINGS | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | CIGNA DENTAL OF FLORIDA, INC. | $42 | — | $42 | 9.91% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA DENTAL OF FLORIDA, INC. | — | $21 | $21 | 4.95% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 139 | $1.7M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $100K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 107 | $15K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $104K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 139 | $297K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 147 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.