| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 200 CONNELL DRIVE 5TH FLOOR BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $67K | — | $67K | 1.57% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | HORIZON HEALTHCARE SERVICES, INC. | $57K | — | $57K | 1.34% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | HORIZON HEALTHCARE SERVICES, INC. | $8K | — | $8K | 1.68% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 200 CONNELL DRIVE 5TH FLOOR BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $6K | — | $6K | 1.23% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 2001 K STREET, NW SUITE 625 NORTH WASHINGTON, DC 20006 | DELTA DENTAL OF NEW JERSEY, INC. | $15K | — | $15K | 5.00% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 2.48% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 4.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.07% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - LYNDHURST NJ | 29840 NETWORK PLACE CHICAGO, IL 60673 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $586 | $2K | 6.77% |
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 | 404 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 331 | $4.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 711 | $307K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 624 | $33K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $176K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $94K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 411 | $123K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 217 | $503K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 409 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 711 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.