| 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. | $43K | $0 | $43K | 2.23% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS LLC | 704 PASSAIC AVENUE WEST CALDWELL, NJ 07006 | HORIZON INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| CORPORATE BENEFIT SOLUTIONS3 | 704 PASSAIC AVE. WEST CALDWELL, NJ 07006 | HARTFORD LIFE AND ACCIDENT PO BOX 2999, HARTFORD, CT 06104 | $1K | $0 | $1K | 6.77% |
| HUNTINGTON INSURANCE INC3 Filed as: HUNTINGTON INSURANCE, INC. | — | MUTUAL OF OMAHA INSURNACE COMPANY OMAHA, NE 68175 | $1K | $598 | $2K | 21.30% |
| CORPORATE BENEFIT SOLUTIONS3 Filed as: CORPORATE BENEFIT SOLUTIONS, LLC | 704 PASSAIC AVENUE WEST CALDWELL, NJ 07006 | HORIZON HEALTHCARE DENTAL, INC. | $73 | $0 | $73 | 3.84% |
| 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 | 316 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 316 | $1.9M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 316 | $1.9M |
| Vision | HORIZON INSURANCE COMPANY | 196 | $28K |
| Short-term disability | MUTUAL OF OMAHA INSURNACE COMPANY OMAHA, NE 68175 | 80 | $8K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 316 | $1.9M |
| Other | HARTFORD LIFE AND ACCIDENT PO BOX 2999, HARTFORD, CT 06104 | 130 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 316 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.