| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $59K | $17K | $76K | 4.41% |
| ISOLUTIONS INC.3 | 1305 CATFISH LANE AUBUBON, PA 19403 | STANDARD INSURANCE COMPANY | $18K | $0 | $18K | 14.99% |
| ISOLUTIONS INC.3 | 1305 SOUTH TROOPER ROAD AUBUBON, PA 19403 | DELTA DENTAL OF NEW JERSEY, INC. | $8K | $0 | $8K | 9.99% |
| MATTHEW T OHANLON3 Filed as: MATTHEW T. OHANLON | 101 WEST ELM STREET, SUITE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.70% |
| ISOLUTIONS INC.3 | 1305 CATFISH LANE AUBUBON, PA 19403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 3.51% |
| STEPHANIE A CANFIELD3 Filed as: STEPHANIE A. CANFIELD | 1 NESHAMINY INTERPLEX DRIVE SUIT 201 TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $565 | $0 | $565 | 1.08% |
| ERIC R MACDOUGALL3 Filed as: ERIC R. MACDOUGALL | 1 NESHAMINY INTERPLEX DRIVE SUIT 201 TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $187 | $0 | $187 | 0.36% |
| MG BERGER INC3 Filed as: MG BERGER INC. | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $58 | $0 | $58 | 0.11% |
| ANGELA MASSARELLI3 Filed as: ANGELA MASSARILLI AND OTHER AGENTS | 432 TUVIRA LANE CHERRY HILL, NJ 08003 | CONTINENTAL AMERICAN INSURANCE COMPANY | $35 | $0 | $35 | 0.07% |
| RYAN K GOLDBERG3 Filed as: RYAN K. GOLDBERG | 103 CHURCH STREET APARTMENT 3 PHILADELPHIA, PA 19106 | CONTINENTAL AMERICAN INSURANCE COMPANY | $18 | $0 | $18 | 0.03% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 17.18% |
| ISOLUTIONS INC.3 | 1305 CATFISH LANE AUBUBON, PA 19403 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.21% |
| ISOLUTIONS INC.3 | 1305 CATFISH LANE AUBUBON, PA 19403 | METLIFE LEGAL PLANS | $595 | $0 | $595 | 10.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BELMONT | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $70 | $70 | 5.76% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $30 | $0 | $30 | 2.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE, INC. | 2850 WEST GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3 | $3 | $6 | 0.49% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 165 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 134 | $1.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 220 | $75K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $19K |
| Life insurance | STANDARD INSURANCE COMPANY | 163 | $119K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 163 | $171K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 163 | $120K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 134 | $1.7M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 163 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.