| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE TARPEY GROUP, LLC3 | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | HORIZON HEALTHCARE SERVICES, INC. | $33K | — | $33K | 4.90% |
| BRIAN G. TARPEY3 Filed as: BRIAN G TARPEY | 1066 PINES LAKE DRIVE WEST WAYNE, NJ 07470 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.38% |
| ACRISURE LLC3 | UNKNOWN WILLINGBORO, NJ 08046 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.97% |
| THE TARPEY GROUP, LLC3 | 310 PASSAIC AVENUE FAIRFIELD, NJ 07004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6K | — | $6K | 7.60% |
| THE WORKSITE GROUP LLC3 Filed as: THE WORKSITE GROUP, LLC | 6 ELM STREET MADISON, NJ 07940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $2K | $5K | 5.86% |
| MJ INSURANCE3 Filed as: MICHAEL ARROYO AND VARIOUS AGENTS | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $400 | $3K | 3.94% |
| BRAD BIEL3 | 1050 WALL STREE WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $694 | $2K | $2K | 3.08% |
| IRA EDENBAUM3 | 1 CARLETON DRIVE FREEHOLD, NJ 07728 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $139 | $1K | 1.77% |
| JUAN J MORENO3 | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $221 | $1K | 1.59% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $665 | $393 | $1K | 1.37% |
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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 65 | $669K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $93K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $93K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $93K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $93K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 65 | $669K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 100 | $170K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 100 | — |
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.