| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD, BLD F CRANBURY, NJ 08512 | HORIZON HEALTCHARE SERVICES, INC | $186K | $0 | $186K | 2.52% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD, BLD F CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICE, INC | $24K | $0 | $24K | 1.92% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD, BLD F CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC | $6K | $0 | $6K | 2.90% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES | 259 PROSPECT PLAINS ROAD, BLD F CRANBURY, NJ 08512 | USABLE LIFE | $6K | $2K | $8K | 9.47% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $3K | $3K | 3.76% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD,BLD F CRANBURY, NJ 08512 | HORIZON INSURANCE COMPANY | $7K | $0 | $7K | 10.01% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD, BLD F CRANBURY, NJ 08512 | HEALTHCARE DENTAL, INC. | $1K | $0 | $1K | 2.90% |
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 | 1,155 | 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) | 1,155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTCHARE SERVICES, INC | 907 | $7.4M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC | 759 | $257K |
| Vision | HORIZON INSURANCE COMPANY | 966 | $74K |
| Prescription drug | HORIZON HEALTHCARE SERVICE, INC | 907 | $1.3M |
| Other | USABLE LIFE | 1,155 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,155 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.