| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES, INC | — | — | $0 | 0.00% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | HORIZON HEALTHCARE SERVICES, INC | — | — | $0 | 0.00% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | DELTA DENTAL OF NEW JERSEY INC | — | — | $0 | 0.00% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.62% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $2K | $0 | $2K | 5.54% |
| CHRISTOPHER SZEM3 | 3060 NE 40TH CT FT. LAUDERDALE, FL 33308 | USABLE LIFE | $417 | $0 | $417 | 1.36% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $3K | $0 | $3K | 10.32% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.11% |
| CHRISTOPHER SZEM3 | 3060 NE 40TH CT FT. LAUDERDALE, FL 33308 | USABLE LIFE | $424 | $0 | $424 | 1.39% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 6.59% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $1K | $0 | $1K | 5.51% |
| CHRISTOPHER SZEM3 | 3060 NE 40TH CT FT. LAUDERDALE, FL 33308 | USABLE LIFE | $357 | $0 | $357 | 1.36% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $3K | $0 | $3K | 13.50% |
| CHRISTOPHER SZEM3 | 3060 NE 40TH CT FT. LAUDERDALE, FL 33308 | USABLE LIFE | $331 | $0 | $331 | 1.50% |
| MEEKER SHARKEY & HURLEY3 Filed as: MEEKER SHARKEY HURLEY | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | USABLE LIFE | $275 | $0 | $275 | 13.65% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | USABLE LIFE | — | $201 | $201 | 9.98% |
| CHRISTOPHER SZEM3 | 3060 NE 40TH CT FT. LAUDERDALE, FL 33308 | USABLE LIFE | $27 | $0 | $27 | 1.34% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 141 | $1.4M |
| Dental | DELTA DENTAL OF NEW JERSEY INC | 137 | $125K |
| Vision | VSP VISION CARE | 143 | $17K |
| Short-term disability | USABLE LIFE | 202 | $26K |
| Long-term disability | USABLE LIFE | 211 | $30K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 141 | $261K |
| Other(4 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC | 212 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.