| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACORN FINANCIAL SERVICES3 | 290 W. MOUNT PLEASANT AVENUE SUITE 2300 LIVINGSTON, NJ 07039 | HORIZON HEALTHCARE SERVICES, INC | $63K | $0 | $63K | 4.87% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | METROPOLITAN LIFE INSURANCE COMPNAY | — | $4K | $4K | 2.99% |
| DANIEL P KEENAN3 Filed as: DANIEL KEENAN | 30 WASHINGTON AVE STE B-5 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPNAY | $2K | $0 | $2K | 1.84% |
| IAN MCLAUGHLIN | 30 WASHINGTON AVENUE STE B-5 HADDONFIELD, NJ 08033 | METROPOLITAN LIFE INSURANCE COMPNAY | $780 | $0 | $780 | 0.61% |
| ACORN FINANCIAL SERVICES | 290 W. MOUNT PLEASANT AVENUE SUITE 2300 LIVINGSTON, NJ 07039 | HORIZON INSURANCE COMPANY | $583 | $0 | $583 | 7.88% |
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 | 208 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 104 | $1.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPNAY | 208 | $127K |
| Vision | HORIZON INSURANCE COMPANY | 104 | $7K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPNAY | 208 | $127K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPNAY | 208 | $127K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 104 | $1.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPNAY | 208 | $127K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.