| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE BENEFIT SOLUTIONS5 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 704 PASSAIC AVENUE WEST CALDWELL, NJ 07006 | HORIZON HEALTHCARE SERVICES, INC. | $46K | — | $46K | 2.90% |
| CORPORATE BENEFIT SOLUTIONS3 | 704 PASSAIC AVE. WEST CALDWELL, NJ 07006 | HARTFORD LIFE AND ACCIDENT PO BOX 2999, HARTFORD, CT 06104 | $1K | — | $1K | 7.23% |
| CORPORATE BENEFIT SOLUTIONS5 Filed as: CORPORATE BENEFIT SOLUTIONS LLC | 704 PASSAIC AVENUE WEST CALDWELL, NJ 07006 | HORIZON INSURANCE COMPANY | $2K | — | $2K | 9.94% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS LLC | 704 PASSAIC AVE. WEST CALDWELL, NJ 07006 | MUTUAL OF OMAHA INSURNACE COMPANY OMAHA, NE 68175 | $241 | — | $241 | 19.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CORPORATE BENEFIT SOLUTIONS NONE | Plan Administrator Service code 14 | 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 | 366 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 366 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 366 | $1.6M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 366 | $1.6M |
| Vision | HORIZON INSURANCE COMPANY | 166 | $16K |
| Short-term disability | MUTUAL OF OMAHA INSURNACE COMPANY OMAHA, NE 68175 | 69 | $1K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 366 | $1.6M |
| Other | HARTFORD LIFE AND ACCIDENT PO BOX 2999, HARTFORD, CT 06104 | 140 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 366 | — |
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.