| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $50K | $14K | $64K | 4.04% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS. LLC | WALT WITMAN ROAD SUITE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $5K | $1K | $6K | 0.39% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES | 609 NEW ROAD LINWOOD, NJ 08221 | VISION SERVICE PLAN | $887 | — | $887 | 5.84% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC. DBA EASECENTRA | 1980 FESTIVAL PLAZA DRIVE SUITE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $109 | — | $109 | 0.72% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION SERVICE PLAN | $52 | — | $52 | 0.34% |
| MICHAEL PALLOZZI3 Filed as: MICHAEL PHILLIP KACHUR | 1504 BLACKWOOD CLEMENTON ROAD BLACKWOOD, NJ 08012 | VISION SERVICE PLAN | $47 | — | $47 | 0.31% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ AND ASSOCIATES LLC | 609 NEW ROAD LINWOOD, NJ 08221 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $423 | $1K | $2K | 15.93% |
| HORIZON INSURANCE COMPANY3 | THREE PENN PLAZA EAST NEWARK, NJ 07105 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $1K | $1K | 11.08% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 153 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 173 | $1.6M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 173 | $1.6M |
| Vision | VISION SERVICE PLAN | 153 | $15K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 261 | $10K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 173 | $1.6M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 261 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 261 | — |
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.