| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY, INC | 350 MT. KEMBLE AVE MORRISTOWN, NJ 07960 | HORIZON HEALTHCARE SERVICES, INC. | $50K | — | $50K | 1.06% |
| DANIEL F. MCLAUGHLIN3 | C/O WILLIS OF NJ 350 MT. KEMBLE AVE MORRISTOWN, NJ 07962 | DELTA DENTAL OF NJ, INC | $8K | — | $8K | 2.84% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY, INC | 10000 MIDLANTIC DRIVE SUITE 200 EAST MOUNT LAUREL, NJ 08054 | GUARDIAN | $10K | — | $10K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $7K | 9.17% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY, INC | 350 MT KEMBLE AVE MORRISTOWN, NJ 07960 | HORIZON INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 17.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $495 | $299 | $794 | 24.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 350 MT KEMBLE AVE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $229 | $73 | $302 | 13.22% |
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 | 554 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 554 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 415 | $4.7M |
| Dental | DELTA DENTAL OF NJ, INC | 327 | $286K |
| Vision | HORIZON INSURANCE COMPANY | 454 | $43K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 554 | $137K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 334 | $104K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 319 | $78K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 415 | $4.7M |
| Other(2 contracts, 2 carriers) | GUARDIAN | 554 | $105K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 554 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.