| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 350 MT. KEMBLE AVE MORRISTOWN, NJ 07960 | HORIZON HEALTHCARE SERVICES, INC. | $50K | — | $50K | 1.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 150 JOHN F. KENNEDY PARKWAY STE 520 SHORT HILLS, NJ 07078 | DELTA DENTAL OF NJ, INC | $9K | — | $9K | 2.96% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 10000 MIDLANTIC DRIVE SUITE 200 EAST MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $5K | $18K | 13.65% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 6.20% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 10000 MIDLANTIC DRIVE SUITE 200 EAST MOUNT LAUREL, NJ 08054 | EYEMED | $5K | — | $5K | 10.44% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 8.21% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $437 | — | $437 | 14.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $124 | — | $124 | 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 | 876 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 876 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 484 | $4.1M |
| Dental | DELTA DENTAL OF NJ, INC | 806 | $320K |
| Vision | EYEMED | 876 | $49K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $165K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $135K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 296 | $77K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 484 | $4.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 345 | $136K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 876 | — |
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.