| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 704 PASSAIC AVENUE WEST CALDWELL, NJ 07006 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $0 | $4K | 4.49% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS LLC | 704 PASSAIC AVENUE WEST CALDWELL, NJ 07006 | HORIZON INSURANCE COMPANY | $3K | $0 | $3K | 2.74% |
| CORPORATE BENEFIT SOLUTIONS3 | 704 PASSAIC AVE. WEST CALDWELL, NJ 07006 | HARTFORD LIFE AND ACCIDENT PO BOX 2999, HARTFORD, CT 06104 | $3K | $0 | $3K | 4.46% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 704 PASSAIC AVENUE WEST CALDWELL, NJ 07006 | HORIZON HEALTHCARE DENTAL, INC. | $42 | $0 | $42 | 4.47% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | — | MUTUAL OF OMAHA INSURNACE COMPANY OMAHA, NE 68175 | — | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFIT SOLUTIONS NONE | Insurance agents and brokers Service code 22 | 704 PASSAIC AVE WEST CALDWELL, NJ 07006 | $0 |
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 | 243 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 243 | $98K |
| Vision | HORIZON INSURANCE COMPANY | 203 | $97K |
| Short-term disability | MUTUAL OF OMAHA INSURNACE COMPANY OMAHA, NE 68175 | 0 | $0 |
| Other | HARTFORD LIFE AND ACCIDENT PO BOX 2999, HARTFORD, CT 06104 | 130 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
No prospect flags tripped on this filing.