| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE TARPEY GROUP, LLC3 | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $32K | — | $32K | 4.75% |
| THE TARPEY GROUP, LLC3 | 1066 PINES LAKE DRIVE WEST WAYNE, NJ 07470 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $1K | $8K | 8.76% |
| THE TARPEY GROUP, LLC3 | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.11% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, LLC | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $3K | $5K | 5.90% |
| MJ INSURANCE3 Filed as: ERNESTO MCKENZIE AND VARIOUS AGENTS | 8618 CHESTNUT RIDGE DRIVE LAUREL, MD 20707 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $285 | $3K | 3.17% |
| BRAD BIEL3 | 225 GRAND STREET JERSEY CITY, NJ 07302 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $605 | $2K | $3K | 2.96% |
| IRA EDENBAUM3 | 1 CARLETON DRIVE FREEHOLD, NJ 07728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $179 | $2K | 2.53% |
| C & L REED ASSOCIATES LLC3 Filed as: C AND L REED ASSOCIATES, LLC | 2911 GLENARDEN DRIVE CHARLESTON, SC 29414 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $371 | $2K | 1.98% |
| EDWARD P DOUGHERTY INC3 Filed as: EDWARD P. DOUGHERTY, INC. | 4550 PRESTWICK DRIVE READING, PA 19606 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $484 | $74 | $558 | 0.66% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 79 | $670K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $91K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $91K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $91K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $91K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 79 | $670K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 126 | $176K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.