| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 08101 | HORIZON HEALTHCARE SERVICES, INC. | $33K | $7K | $40K | 5.58% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AETNA LIFE INSURANCE CO. | $2K | $436 | $3K | 7.87% |
| MICHAEL WEDGE3 | 502 WASHINGTON AVE STE 600 TOWSON, MD 21204 | AFLAC | $336 | — | $336 | 3.20% |
| PATRICIA DOXZEN3 Filed as: PATRICIA L. DOXZEN | 10 THEO LANE TOWSON, MD 21204 | AFLAC | $119 | — | $119 | 1.13% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | AFLAC | $118 | — | $118 | 1.12% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE RD NEWARK, DE 19713 | AFLAC | $93 | — | $93 | 0.89% |
| SCARLET RODRIGUEZ3 | 218 ELLIGER AVE. FORT WASHINGTON, PA 19034 | AFLAC | $88 | — | $88 | 0.84% |
| CIRO ABRIL3 | 18 BRACKEN CT. HOWELL, NJ 07731 | AFLAC | $40 | — | $40 | 0.38% |
| DARLENE S DILLON3 Filed as: DARLENE S. DILLON | 120 WOODSIDE RD. LEXINGTON, SC 29072 | AFLAC | $40 | — | $40 | 0.38% |
| RANDOLPH HAMILTON3 | 2116 MAGNOLIA CT. CINNAMINSON, NJ 08077 | AFLAC | $32 | — | $32 | 0.30% |
| VICTOR M VELEZ3 Filed as: VICTOR M. VELEZ | 401 CUMBRIAN CT. WEST CHESTER, PA 19382 | AFLAC | $30 | — | $30 | 0.29% |
| DOMINICK VIETRI3 | 442 E DELP RD. LANCASTER, PA 17601 | AFLAC | $28 | — | $28 | 0.27% |
| ANGELA T HAMILTON3 Filed as: ANGELA T. HAMILTON | 2116 MAGNOLIA CT. CINNAMINSON, NJ 08077 | AFLAC | $13 | — | $13 | 0.12% |
| CAROLIN BERMUDEZ3 | 2991 WINDING RIVER PL. LAUREL, MD 20724 | AFLAC | $12 | — | $12 | 0.11% |
| WILLIE F BEVERLY3 Filed as: WILLIE F. BEVERLY | 8721 AUTUMN RIDGE CT. ODENTON, MD 21113 | AFLAC | $8 | — | $8 | 0.08% |
| GERALD D KNOTT SR3 Filed as: GERALD D. KNOTT, SR. | 2113 TRIMBLE RD. EDGEWOOD, MD 21040 | AFLAC | $6 | — | $6 | 0.06% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS | 8370 VETERANS HIGHWAY SUITE 101 MILLERSVILLE, MD 21108 | AFLAC | $6 | — | $6 | 0.06% |
| MATTHEW G BERGER3 Filed as: MATTHEW G. BERGER | 22 SUNNYRIDGE RD. PHILADELPHIA, PA 19125 | AFLAC | $5 | — | $5 | 0.05% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $5 | — | $5 | 0.05% |
| ELLEN M CRAWFORD3 Filed as: ELLEN M. CRAWFORD | P.O. BOX 6047 ANNAPOLIS, MD 21401 | AFLAC | $5 | — | $5 | 0.05% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL & ASSOC. INC. | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $4 | — | $4 | 0.04% |
| RACHEL PENNINGTON3 | 16 WESTMINSTER DR BERLIN, MD 21811 | AFLAC | $3 | — | $3 | 0.03% |
| THOMAS J POPPERT3 Filed as: THOMAS J. POPPERT | 1167 W. BALTIMORE PIKE 239 MEDIA, PA 19063 | AFLAC | $2 | — | $2 | 0.02% |
| CONNER STRONG & BUCKELEW3 | TRIAD1828 CENTRE 2 COOPER STREET, P.O. BOX 99106 CAMDEN, NJ 08101 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $281 | — | $281 | 5.01% |
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 | 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)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 64 | $727K |
| Dental | AETNA LIFE INSURANCE CO. | 116 | $32K |
| Vision | NATIONAL VISION ADMINISTRATORS, L.L.C. | 82 | $6K |
| Life insurance(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 165 | $24K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 64 | $717K |
| Other(2 contracts, 2 carriers) | HUMANA INSURANCE COMPANY | 165 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 165 | — |
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.