| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON HEWITT | 100 HALF DAY ROAD LINCOLNSHIRE, IL 60069 | HORIZON HEALTHCARE SERVICES, INC. | $170K | — | $170K | 6.96% |
| HORIZON INSURANCE COMPANY3 Filed as: HORIZON HEALTHCARE INS AGY INC | 3 PENN PLZ E NEWARK, NJ 071052258 | SYMETRA LIFE INSURANCE COMPANY | — | $85K | $85K | 3.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NORTH CAROLINA INC | 214 N TYRON ST CHARLOTTE, NC 282821993 | VISION SERVICE PLAN | — | $4K | $4K | 0.49% |
| AON CONSULTING INC3 Filed as: HEWITT INS BROKERAGE LLC | 100 HALF DAY RD LINCOLNSHIRE, IL 60069 | JOHN HANCOCK LIFE INSURANCE COMPANY | $19K | — | $19K | 8.29% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1650 MARKET STREET, SUITE 1000 PHILADELPHIA, PA 19103 | ZURICH AMERICAN INSURANCE COMPANY | $22K | — | $22K | 15.00% |
| AON CONSULTING INC3 Filed as: AON HEWITT | 1650 MARKET STREET, SUITE 1000 PHILADELPHIA, PA 19103 | ZURICH AMERICAN INSURANCE COMPANY | $17K | — | $17K | 15.00% |
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 | 8,867 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 347 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 9,214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(5 contracts, 5 carriers) | DEAN HEALTH PLAN INC | 5,914 | $19.5M |
| Dental | DELTA DENTAL PLAN OF NEW JERSEY, INC. | 7,513 | $6.1M |
| Vision | VISION SERVICE PLAN | 6,171 | $867K |
| Life insurance | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 13,490 | $3.5M |
| Short-term disability | AETNA LIFE INSURANCE COMPANY | 8,712 | $225K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 13,490 | $3.5M |
| Prescription drug | EXPRESS SCRIPTS | 5,914 | $163K |
| Stop-loss / reinsurancereinsurance | SYMETRA LIFE INSURANCE COMPANY | 5,938 | $2.3M |
| Other(4 contracts, 3 carriers) | JOHN HANCOCK LIFE INSURANCE COMPANY | 8,867 | $496K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 13,490 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.