| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $70K | $20K | $90K | 4.42% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | STANDARD INSURANCE COMPANY | $19K | $0 | $19K | 14.65% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | $0 | $7K | 9.14% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 101 WEST ELM STREET SUITE 420 CONSHOHOCKEN, PA 19428 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 4.87% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1K | $0 | $1K | 3.88% |
| STEPHANIE A CANFIELD3 | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $590 | $0 | $590 | 1.59% |
| ERIC R MACDOUGALL | 1NESHAMINY INTERPLEX DRIVE SUITE 201 FSTRVLTRVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $178 | $0 | $178 | 0.48% |
| MJ INSURANCE3 Filed as: ERIC R MACDOUGALL & VARIOUS AGENTS | 1 NESHAMINY INTERPLEX DRIVE SUITE 201 FSTRVLTRVOSE, PA 19053 | CONTINENTAL AMERICAN INSURANCE COMPANY | $71 | $0 | $71 | 0.19% |
| MG BERGER INC3 | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | CONTINENTAL AMERICAN INSURANCE COMPANY | $51 | $0 | $51 | 0.14% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.04% |
| ISOLUTIONS INC.3 Filed as: ISOLUTIONS INC | 1305 CATFISH LANE AUDUBON, PA 19403 | METLIFE LEGAL PLANS | $677 | $0 | $677 | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RSI | 2 PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $22 | $0 | $22 | 1.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFITS SERVICES, INC. | PO BOX 95287 CHICAGO, IL 60694 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $13 | $0 | $13 | 1.07% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 412 | $2.0M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 229 | $81K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $18K |
| Life insurance | STANDARD INSURANCE COMPANY | 164 | $130K |
| Short-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 164 | $167K |
| Long-term disability(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 164 | $131K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 412 | $2.0M |
| Other(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 164 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 412 | — |
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 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.