| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES INC | $75K | $0 | $75K | 2.92% |
| HAFETZ AND ASSOC LLC3 Filed as: HAFETZ AND ASSOCIATE, LLC | 609 NEW ROAD LINWOOD, NJ 08221 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $18K | $0 | $18K | 10.05% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | USABLE LIFE | $14K | $0 | $14K | 11.51% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $11K | $11K | 8.54% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HEALTHCARE DENTAL, INC. | $743 | $0 | $743 | 0.72% |
| COMPLIANCE SERVICES AGENCY3 | 500 PELHAM DRIVE GALLOWAY, NJ 08205 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 9.60% |
| MARC A GROVE3 Filed as: MARC CARPENTER | 121 BALFOUR AVENUE LINWOOD, NJ 08221 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.54% |
| FORZA GROUP, LLC3 | 1616 PACIFIC AVENUE ATLANTIC CITY, NY 08401 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | $737 | $0 | $737 | 1.38% |
| MICHAEL A NADLER3 Filed as: MICHAEL J. D'ANGELO | 400 LAKE COOK ROAD SUITE 100B DEERFIELD, IL 60015 | MANHATTANLIFE ASSURANCE COMPANY OF AMERICA | -$87 | $0 | -$87 | -0.16% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| 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 | 246 | 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) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES INC | 246 | $2.7M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES INC | 214 | $2.8M |
| Life insurance(3 contracts, 3 carriers) | USABLE LIFE | 246 | $197K |
| Short-term disability(2 contracts, 2 carriers) | USABLE LIFE | 246 | $126K |
| Long-term disability | USABLE LIFE | 246 | $125K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 214 | $2.6M |
| Other(4 contracts, 4 carriers) | USABLE LIFE | 246 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.