| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | HORIZON HEALTHCARE SERVICES, INC. | $63K | $0 | $63K | 3.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 200 JEFFERSON PARK, 1ST FLOOR WHIPPANY, NJ 07961 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | $0 | $5K | 3.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | MONY LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 15.00% |
| HORIZON INSURANCE COMPANY3 | UNKNOWN TRETON, NJ 08638 | MONY LIFE INSURANCE COMPANY OF AMERICA | $0 | $5K | $5K | 7.82% |
| ADVANCED VOLUNTARY CONCEPTS INC3 Filed as: ADVANCED VOLUNTARY CONCEPTS, INC. | 75 SOUTH BROADWAY WHITE PLAINS, NY 10601 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 7.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | THE PAUL REVERE LIFE INSURANCE COMPANY | $553 | $0 | $553 | 1.49% |
| THE CLARK GROUP OF SC3 | 589 WINDMERE DRIVE LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.01% |
| WILLIAM RENNARD3 | 3001 ALOMA AVENUE WINTER PARK, FL 32792 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| MICHAEL L O'DONNELL3 Filed as: MICHAEL L. O'DONNELL | 133 HAZELHURST AVENUE NORTH SYRACUSE, NY 13212 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| SHEALY BENEFITS SERVICES INC3 Filed as: SHEALY BENEFITS SERVICES, INC. | 215 HOGAN WAY LEXINGTON, SC 29072 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $1 | $2 | 0.01% |
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 | 206 | 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) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 236 | $2.1M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 485 | $146K |
| Life insurance | MONY LIFE INSURANCE COMPANY OF AMERICA | 297 | $62K |
| Long-term disability | MONY LIFE INSURANCE COMPANY OF AMERICA | 297 | $62K |
| Other | MONY LIFE INSURANCE COMPANY OF AMERICA | 297 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 485 | — |
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.