| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORIZON INSURANCE COMPANY0 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $14K | $14K | 3.85% |
| RJ DAVIS ASSOCIATES3 | 1040 BROAD ST SHREWSBURY, NJ 07702 | USABLE LIFE | $11K | — | $11K | 2.84% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBS NJ EIN 22-0999690 NONE | Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | — | $3.1M |
| HORIZON HEALTHCARE DENTAL SERVICES EIN 22-3267136 NONE | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $292K |
| EXPRESS SCRIPTS EIN 43-1420563 NONE | Direct payment from the plan; Plan Administrator; Claims processing Service code 12 | — | $290K |
| FRANK VACARRO & ASSOCIATES, INC. EIN 23-2148108 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Contract Administrator Service code 13 | — | $238K |
| UFCW LOCAL 1262 PENSION FUND EIN 22-6074414 AFFILIATED BENEFIT FUND | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $173K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $130K |
| VALUE OPTIONS INC. EIN 54-1414194 NONE | Claims processing; Direct payment from the plan; Plan Administrator Service code 12 | — | $93K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $50K |
| BUCK CONSULTANTS LLC EIN 13-3954297 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $44K |
| BEACON HEALTH OPTIONS EIN 54-1414194 NONE | Direct payment from the plan; Insurance services Service code 23 | — | $36K |
| CONDUENT EIN 32-0293031 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $34K |
| VISION SERVICES PLAN EIN 06-1227840 NONE | Claims processing; Plan Administrator; Direct payment from the plan Service code 12 | — | $24K |
| LOGICAL BUSINESS SOLUTIONS NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | 4800 SPRING PARK ROAD JACKSONVILLE, FL 32207 | $18K |
| PSG CONSULTING LLC EIN 20-2422296 NONE | Consulting (general); Direct payment from the plan Service code 16 | — | $13K |
| MILLIMAN INC EIN 91-0675641 NONE | Direct payment from the plan; Consulting (general) Service code 16 | — | $8K |
| INVESTMENT PERFORMANCE SERVICES LLC EIN 58-2432390 NONE | Direct payment from the plan; Investment management fees paid indirectly by plan; Investment advisory (plan) Service code 27 | — | $5K |
| RJ DAVIS ASSOCIATES EIN 14-9409365 NONE | Insurance agents and brokers; Finders' fees / placement fees Service code 22 | — | $0 |
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 | 12,976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 206 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 13,182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | HORIZON HEALTHCARE SERVICES | 19,646 | $304K |
| Life insurance | USABLE LIFE | 15,220 | $376K |
| Stop-loss / reinsurancereinsurance | HORIZON HEALTHCARE SERVICES | 7,096 | $7.4M |
| Other(2 contracts, 2 carriers) | GUIDEONE SPECIALTY MUTUAL INSURANCE COMPANY | 15,366 | $996K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 19,646 | — |
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."
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.