| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $30K | — | $30K | 2.24% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 2.06% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 4.38% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | HORIZON HEALTHCARE DENTAL, INC. | $758 | — | $758 | 4.38% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD BLDG F, STE 110 CRANBURY, NJ 08512 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAINS ROAD BLDG F, SUITE 110 CRANBURY, NJ 08512 | USABLE LIFE | $2K | — | $2K | 14.34% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $806 | $806 | 7.01% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 154 | $1.3M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 94 | $84K |
| Vision | HORIZON INSURANCE COMPANY | 97 | $13K |
| Life insurance | USABLE LIFE | 162 | $12K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 154 | $221K |
| Other | USABLE LIFE | 162 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
No prospect flags tripped on this filing.