| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | HORIZON HEALTHCARE SERVICES, INC. | $37K | $0 | $37K | 1.52% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $18K | $0 | $18K | 0.72% |
| COMPLIANCE SERVICES AGENCY3 | UNKNOWN BARRINGTON, NJ 08007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 7.32% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $10K | $10K | 8.01% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | USABLE LIFE | $9K | $0 | $9K | 7.21% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | USABLE LIFE | $4K | $66 | $4K | 3.35% |
| COMPLIANCE SERVICES AGENCY3 | UNKNOWN BARRINGTON, NJ 08007 | KANAWHA INSURANCE COMPANY | $3K | $0 | $3K | 13.27% |
| MARC A GROVE3 Filed as: MARC CARPENTER | 121 BALFOUR AVENUE LINWOOD, NJ 08221 | KANAWHA INSURANCE COMPANY | $638 | $0 | $638 | 2.81% |
| FORZA GROUP, LLC3 | 1616 PACIFIC AVENUE ATLANTIC CITY, NJ 08401 | KANAWHA INSURANCE COMPANY | $416 | $0 | $416 | 1.83% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | 555 FAIRMONT AVENUE BALTIMORE, MD 21286 | HEALTHCARE DENTAL, INC. | $380 | $0 | $380 | 2.03% |
| HAFETZ AND ASSOCIATES, LLC | 609 NEW ROAD LINWOOD, NJ 08221 | HEALTHCARE DENTAL, INC. | $139 | $0 | $139 | 0.74% |
| COMPLIANCE SERVICES AGENCY3 | UNKNOWN BARRINGTON, NJ 08007 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $926 | $0 | $926 | 7.14% |
| COMPLIANCE SERVICES AGENCY3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | MANHATTANLIFE | $1K | $0 | $1K | 10.49% |
| MARC A GROVE3 Filed as: MARC CARPENTER | 121 BALFOUR AVENUE LINWOOD, NJ 08221 | MANHATTANLIFE | $240 | $0 | $240 | 1.96% |
| FORZA GROUP, LLC3 | 1616 PACIFIC AVENUE ATLANTIC CITY, NJ 08401 | MANHATTANLIFE | $191 | $0 | $191 | 1.56% |
| MICHAEL A NADLER3 Filed as: MICHAEL J D'ANGELO | 400 LAKE COOK ROAD, SUITE 100B DEERFIELD, IL 60015 | MANHATTANLIFE | $87 | $0 | $87 | 0.71% |
| RIGGS COUNSELMAN MICHAELS & DOWNES3 | UNKNOWN BARRINGTON, NJ 08007 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $225 | $0 | $225 | 5.00% |
| FORZA GROUP, LLC3 | 1616 PACIFIC AVENUE ATLANTIC CITY, NJ 08401 | AFLAC | $65 | $0 | $65 | 4.18% |
| MICHAEL USIAK3 | 85 RIVER EDGE FARMS ROAD MADISON, CT 06443 | AFLAC | $2 | $0 | $2 | 0.13% |
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 | 245 | 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) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 245 | $2.6M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 245 | $2.6M |
| Life insurance(4 contracts, 4 carriers) | USABLE LIFE | 245 | $176K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 245 | $130K |
| Long-term disability | USABLE LIFE | 245 | $128K |
| Prescription drug(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 245 | $2.6M |
| Other(5 contracts, 5 carriers) | USABLE LIFE | 245 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 245 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.