| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R. J. GOLDSTEIN & ASSOC3 | 656 SHREWSBURY AVENUE SUITE 200 TINTON FALLS, NJ 07701 | HORIZON HEALTHCARE SERVICES, INC - HEALTH PLAN | $21K | — | $21K | 2.11% |
| RJ GOLDSTEIN & ASSOCIATES3 Filed as: RJ GOLDSTEIN & ASSOCIATES, INC | 656 SHREWSBURY AVE SUITE 200 TINTON FALLS, NJ 07701 | DELTA DENTAL OF NJ, INC | $4K | — | $4K | 4.73% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE SUITE 200 TINTON FALLS, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 11.06% |
| RJ GOLDSTEIN & ASSOCIATES3 | 505 THORNALL STREET SUITE 205 EDISON, NJ 08837 | EYEMED VISION CARE | $1K | — | $1K | 8.69% |
| R. J. GOLDSTEIN & ASSOC3 Filed as: R.J. GOLDSTEIN & ASSOC | 656 SHREWSBURY AVE SUITE 200 TINTON FALLS, NJ 07701 | HORIZON HEALTHCARE SERVICES, INC - PRESCRIPTION DRUG | $172 | — | $172 | 2.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| RJ GOLDSTEIN & ASSOC, INC AGENT/BROKER | Insurance brokerage commissions and fees; Participant communication; Insurance agents and brokers Service code 22 | 656 SHREWSBURY AVENUE TINTON FALLS, NJ 07701 | $0 |
| WORLD INSURANCE ASSOCIATES LLC | Insurance agents and brokers; Insurance brokerage commissions and fees; Participant communication Service code 22 | 656 SHREWSBURY AVENUE TINTON FALLS, NJ 07701 | $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 | 201 | 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) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC - HEALTH PLAN | 121 | $1.0M |
| Dental | DELTA DENTAL OF NJ, INC | 171 | $78K |
| Vision | EYEMED VISION CARE | 172 | $12K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $54K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $54K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC - PRESCRIPTION DRUG | 121 | $7K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 201 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 201 | — |
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.