| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC | $32K | $7K | $39K | 5.61% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC | $9K | $2K | $11K | 5.60% |
| WORLD INSURANCE ASSOCIATES LLC3 | 656 SHREWSBURY AVE SUITE 200 TINTON FALLS, NJ 07701 | DELTA DENTAL OF NJ, INC | $3K | — | $3K | 4.48% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.67% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES. LLC | PO BOX 95000 PHILADELPHIA, PA 19195 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 14.06% |
| RJ GOLDSTEIN & ASSOCIATES3 | PO BOX 95000 PHILADELPHIA, PA 19195 | EYEMED VISION CARE | $736 | — | $736 | 9.17% |
| RJ GOLDSTEIN & ASSOCIATES3 | 155 PASSAIC AVE SUITE 400 FAIRFIELD, NJ 07004 | EYEMED VISION CARE | $86 | — | $86 | 1.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| R.J. GOLDSTEIN & ASSOCIATES AGENT/BROKER | Insurance agents and brokers Service code 22 | 155 PASSAIC AVE FAIRFIELD, NJ 07004 | $0 |
| 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 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | $0 |
| WORLD INSURANCE ASSOCIATES, LLC AGENT/BROKER | Insurance agents and brokers Service code 22 | PO BOX 95000 PHILADELPHIA, PA 19195 | $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 | 174 | 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) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 95 | $702K |
| Dental | DELTA DENTAL OF NJ, INC | 138 | $63K |
| Vision | EYEMED VISION CARE | 147 | $8K |
| Life insurance | STANDARD INSURANCE COMPANY | 174 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 174 | $18K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 95 | $202K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.