| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALTOMORE FINANCIAL GROUP, INC.3 | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $49K | $14K | $63K | 4.39% |
| ALTOMORE FINANCIAL GROUP, INC.3 | 1680 ROUTE 23 N WAYNE, NJ 07470 | HORIZON HEALTHCARE SERVICES, INC. | $9K | $3K | $12K | 4.38% |
| ASSUREDPARTNERS3 Filed as: PBI BENEFIT SOLUTIONS | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | DELTA DENTAL OF NEW JERSEY, INC. | $942 | — | $942 | 1.38% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FIN SRVS | PO BOX 1689 PEARL RIVER, NY 10965 | DELTA DENTAL OF NEW JERSEY, INC. | $939 | — | $939 | 1.38% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS FIN SERV GRP LLC | PO BOX 1689 PEARL RIVER, NY 10965 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.80% |
| ALTOMARE FINANCIAL GROUP, INC.3 Filed as: ALTOMARE FINANCIAL GROUP | 1680 ROUTE 23 N WAYNE, NJ 07470 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $656 | $656 | 4.63% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA NEWARK, NJ 07105 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $221 | — | $221 | 1.56% |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FINANCIAL SER | PO BOX 1689 PEARL RIVER, NY 10965 | UNITEDHEALTHCARE INSURANCE COMPANY | $947 | — | $947 | 6.81% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $642 | — | $642 | 4.62% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 40 MARCUS DR. MELLVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $338 | — | $338 | 2.43% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARNTNERS INSURANCE | 40 MARCUS DR. MELLVILLE, NY 11747 | ALPHA DENTAL PROGRAMS, INC. | $519 | — | $519 | — |
| CAPACITY BENEFITS & FINANCIAL SERVI3 Filed as: CAPACITY BENEFITS AND FIN SRVS | PO BOX 1689 PEARL RIVER, NY 10965 | ALPHA DENTAL PROGRAMS, INC. | $182 | — | $182 | — |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 287 | $1.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 199 | $68K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 221 | $14K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 159 | $274K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 287 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.