| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CARALLI INSURANCE AGENCY INC.3 | 8969 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | HORIZON HEALTHCARE SERVICES, INC. | $38K | $0 | $38K | 1.49% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $55K | $0 | $55K | 3.40% |
| CARALLI INSURANCE AGENCY INC.3 | 8969 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.48% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 5.21% |
| ROBERT GOLDSTEIN Filed as: ROBERT A. GOLDSTEIN | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | USABLE LIFE | $1K | $479 | $2K | 3.19% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 8969 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | USABLE LIFE | $1K | $479 | $2K | 3.19% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLACE EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $6K | $6K | 10.00% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A. GOLDSTEIN | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | USABLE LIFE | $4K | $466 | $5K | 8.33% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 8969 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | USABLE LIFE | $4K | $466 | $5K | 8.32% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLACE EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 5.23% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A. GOLDSTEIN | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | USABLE LIFE | $1K | $418 | $2K | 3.17% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 8969 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | USABLE LIFE | $1K | $417 | $2K | 3.17% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLACE EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 6.41% |
| CARALLI INSURANCE AGENCY INC.3 Filed as: CARALLI INSURANCE AGENCY, INC. | 8969 SHOAL CREEK LANE BOYNTON BEACH, FL 33472 | USABLE LIFE | $2K | $413 | $3K | 5.05% |
| ROBERT GOLDSTEIN3 Filed as: ROBERT A. GOLDSTEIN | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | USABLE LIFE | $2K | $413 | $3K | 5.05% |
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 | 479 | 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) | 479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 210 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 408 | $231K |
| Life insurance(2 contracts) | USABLE LIFE | 479 | $117K |
| Short-term disability | USABLE LIFE | 330 | $53K |
| Long-term disability | USABLE LIFE | 479 | $52K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 479 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.