| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: KATZ-PIERZ, INC. | 413 MARLTON PIKE EAST, STE 100 CHERRY HILL, NJ 080342483 | HORIZON HEALTHCARE SERVICES, INC. | $57K | — | $57K | 4.90% |
| ADVANCED BENEFIT CONCEPTS OF CHERRY3 | 413 MARLTON PIKE EAST, SUITE 300 CHERRY HILL, NJ 08034 | AETNA LIFE INSURANCE CO. | $10K | — | $10K | 6.99% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.98% |
| BOLLINGER INC3 | GBS DIVISION 200 JEFFERSON PARK WHIPPANY, NJ 07981 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $221 | — | $221 | 2.68% |
| ENROLLEASE3 Filed as: KATZ-PIERZ INC | 413 MARLTON PIKE E STE 100 CHERRY HILL, NJ 08034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $176 | — | $176 | 2.14% |
| THOMAS SHANK3 | 413 E MARLTON PIKE STE 300 CHERRY HILL, NJ 08034 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $75 | — | $75 | 0.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLF RD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | — | $8 | $8 | 0.10% |
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 | 112 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 247 | $149K |
| Life insurance | AETNA LIFE INSURANCE CO. | 247 | $149K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 20 | $8K |
| Long-term disability | AETNA LIFE INSURANCE CO. | 247 | $149K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 247 | $157K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 247 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.