| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC | $21K | $5K | $25K | 3.29% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC | $15K | $3K | $18K | 2.32% |
| SAVOY ASSOCIATES3 Filed as: SAVOY ASSOICATES | 20 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC | $6K | $1K | $7K | 3.29% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC | $4K | $918 | $5K | 2.32% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVE SOUTH 4TH FLOOR ISELIN, NJ 08830 | DELTA DENTAL OF NJ, INC | $3K | — | $3K | 4.45% |
| WORLD INS ASSOC LLC3 | 100 WOOD AVE D FL 4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 6.09% |
| WORLD INS ASSOC LLC3 Filed as: WORLD INS ASSOC. LLC | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 13.02% |
| RJ GOLDSTEIN & ASSOCIATES3 Filed as: RJ GOLDSTEIN & ASSOCIATES A DIVISIO | LB 1803 PO BOX 95000 PHILADELPHIA, PA 191950001 | EYEMED VISION CARE | $917 | — | $917 | 10.75% |
| WORLD INS ASSOC LLC | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 65.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RJ GOLDSTEIN/DIV WORLD INS ASSOC AGENT/BROKER | Insurance agents and brokers Service code 22 | PO BOX 95000 PHILADELPHIA, PA 19195 | $0 |
| SAVOY ASSOCIATES AGENT/BROKER | Insurance agents and brokers Service code 22 | 200 CONNELL DR STE 1000 BERKELEY HEIGHTS, NJ 07922 | $0 |
| WORLD INS ASSOC, LLC AGENT/BROKER | Insurance agents and brokers Service code 22 | 100 WOOD AVE S FL 4 ISELIN, NJ 08830 | $0 |
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 | 191 | 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) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 104 | $775K |
| Dental | DELTA DENTAL OF NJ, INC | 114 | $66K |
| Vision | EYEMED VISION CARE | 166 | $9K |
| Life insurance | STANDARD INSURANCE COMPANY | 191 | $48K |
| Long-term disability | STANDARD INSURANCE COMPANY | 191 | $25K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 104 | $222K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 191 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.