| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $29K | $6K | $35K | 5.85% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $2K | $1K | $3K | 11.28% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE, 2 COOPER ST CAMDEN, NJ 08101 | HUMANA INSURANCE COMPANY | $2K | — | $2K | 14.97% |
| MICHAEL WEDGE3 Filed as: MICHAEL G. WEDGE | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | AFLAC | $267 | — | $267 | 3.39% |
| PATRICIA DOXZEN3 Filed as: PATRICIA L. DOXZEN | 10 THEO LANE TOWSON, MD 21204 | AFLAC | $82 | — | $82 | 1.04% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $74 | — | $74 | 0.94% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $67 | — | $67 | 0.85% |
| SCARLET RODRIGUEZ3 | 218 ELLIGER AVE FORT WASHINGTON, PA 19034 | AFLAC | $63 | — | $63 | 0.80% |
| VICTOR M VELEZ3 Filed as: VICTOR M. VELEZ | 401 CUMBRIAN CT. WEST CHESTER, PA 19382 | AFLAC | $32 | — | $32 | 0.41% |
| DARLENE S DILLON3 Filed as: DARLENE S. DILLON | 120 WOODSIDE RD. LEXINGTON, SC 29072 | AFLAC | $27 | — | $27 | 0.34% |
| CIRO ABRIL3 | 18 BRACKEN CT HOWELL, NJ 07731 | AFLAC | $24 | — | $24 | 0.31% |
| ANGELA T HAMILTON3 Filed as: ANGELA T. HAMILTON | 2116 MAGNOLIA CT CINNAMINSON, NJ 08077 | AFLAC | $14 | — | $14 | 0.18% |
| GERALD D KNOTT SR3 Filed as: GERALD D. KNOTT, SR | 2113 TRIMBLE RD EDGEWOOD, MD 21040 | AFLAC | $6 | — | $6 | 0.08% |
| MATTHEW W EVANS3 Filed as: MATTHEW EVANS | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $6 | — | $6 | 0.08% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE RD PHILADELPHIA, PA 19125 | AFLAC | $6 | — | $6 | 0.08% |
| WILLIE BEVERLY3 | 8721 AUTUMN RIDGE CT ODENTON, MD 21113 | AFLAC | $5 | — | $5 | 0.06% |
| ELLEN M CRAWFORD3 Filed as: ELLEN M. CRAWFORD | 575 S CHARLES ST STE 503 BALTIMORE, MD 21201 | AFLAC | $5 | — | $5 | 0.06% |
| ANGELA MASSARELLI3 Filed as: ANGELA UMOSELLA | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $3 | — | $3 | 0.04% |
| RACHEL PENNINGTON3 | 168 CRANES CROOK ANNAPOLIS, MD 21401 | AFLAC | $3 | — | $3 | 0.04% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC INC | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $2 | — | $2 | 0.03% |
| THOMAS J POPPERT3 Filed as: THOMAS J. POPPERT | 1167 W BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $1 | — | $1 | 0.01% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $229 | — | $229 | 5.00% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 46 | $605K |
| Dental | AETNA LIFE INSURANCE CO. | 94 | $26K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 69 | $5K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 160 | $22K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 46 | $597K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 160 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.