| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HORIZON HEALTHCARE SERVICES, INC | $60K | — | $60K | 1.67% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $55K | — | $55K | 2.62% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 2.26% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | — | $4K | $4K | 4.61% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $3K | — | $3K | 3.85% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | — | $4K | $4K | 4.66% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $3K | — | $3K | 3.81% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $5K | — | $5K | 6.26% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | — | $4K | $4K | 5.23% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $11K | — | $11K | 15.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | — | $7K | $7K | 10.00% |
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 | 574 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 574 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 249 | $3.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 469 | $284K |
| Life insurance(2 contracts) | US ABLE LIFE | 574 | $157K |
| Short-term disability | US ABLE LIFE | 428 | $86K |
| Long-term disability | US ABLE LIFE | 574 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 574 | — |
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.