| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $41K | $0 | $41K | 1.94% |
| GLENN INSURANCE, INC.3 | 500 EAST ABSECON BOULEVARD ABSECON, NJ 08201 | HORIZON HEALTHCARE SERVICES, INC. | $32K | $0 | $32K | 1.53% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $882 | $882 | 6.98% |
| GLENN INSURANCE, INC.3 | 500 EAST ABSECON BOULEVARD ABSECON, NJ 08201 | USABLE LIFE | $876 | $0 | $876 | 6.93% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | USABLE LIFE | $742 | $0 | $742 | 5.87% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES, INC. | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $148 | $0 | $148 | 1.17% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 104 | $2.1M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 104 | $2.1M |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 104 | $2.1M |
| Life insurance | USABLE LIFE | 114 | $13K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 104 | $2.1M |
| Other | USABLE LIFE | 114 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.