| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES INC | $50K | $15K | $66K | 4.41% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES | 609 NEW ROAD LINWOOD, NJ 08221 | VISION SERVICE PLAN | $923 | $0 | $923 | 6.23% |
| ENROLLLEASE INC3 Filed as: ENROLLLEASE, INC DBA EASECENTRA | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $186 | $0 | $186 | 1.26% |
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 | 159 | 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) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 144 | $1.5M |
| Dental | HORIZON HEALTHCARE SERVICES INC | 144 | $1.5M |
| Vision | VISION SERVICE PLAN | 149 | $15K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 144 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.