| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | HORIZON HEALTHCARE SERVICES, INC | $40K | $0 | $40K | 1.20% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS MEMORIAL HIGHWAY SUITE 210N HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC | $20K | $0 | $20K | 0.60% |
| AMERICAN INSURANCE ADMINISTRATORS3 | 4550 LENA DRIVE MECHANICSBURG, PA 17055 | CAPITAL ADVANTAGE ASSURANCE COMPANY | $55K | $0 | $55K | 2.58% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | GUARDIAN | $30K | $8K | $38K | 13.88% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | $0 | $4K | $4K | 4.63% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $3K | $0 | $3K | 3.78% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | $0 | $4K | $4K | 4.67% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $3K | $0 | $3K | 3.90% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $5K | $0 | $5K | 6.27% |
| HORIZON INSURANCE COMPANY | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | $0 | $4K | $4K | 5.24% |
| ROBERT GOLDSTEIN3 | 600 S OCEAN BLVD APT 1708 BOCA RATON, FL 33432 | US ABLE LIFE | $11K | $0 | $11K | 15.07% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | US ABLE LIFE | $0 | $7K | $7K | 10.04% |
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 | 548 | 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) | 548 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 243 | $3.3M |
| Dental | GUARDIAN | 446 | $272K |
| Life insurance(2 contracts) | US ABLE LIFE | 548 | $158K |
| Short-term disability | US ABLE LIFE | 399 | $85K |
| Long-term disability | US ABLE LIFE | 548 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 548 | — |
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.