| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DEWITT STERN GROUP PLANNING SERVICE3 Filed as: DEWITT STERN GROUP | 420 LEXINGTON AVE NEW YORK, NY 10017 | HORIZON HEALTHCARE SERVICES, INC. | $111K | — | $111K | 3.74% |
| DE WITT STERN GROUP3 | 420 LEXINGTON AVENUE NEW YORK, NY 10017 | DELTA DENTAL OF NJ INC | $2K | — | $2K | 0.94% |
| DEWITT STERN GROUP PLANNING SERVICE3 Filed as: DEWITT STERN GROUP PLANNING GRP LLC | 420 LEXINGTON AVE, SUITE 2700 NEW YORK, NY 10170 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $4K | — | $4K | 5.02% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 255 | $3.0M |
| Dental | DELTA DENTAL OF NJ INC | 285 | $186K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY US | 245 | $84K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 245 | $84K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY US | 245 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.