| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PROTECTOR GROUP INS. AGENCY3 Filed as: THE PROTECTOR GROUP, INC. AGENCY | 100 FRONT STREET WORCESTER, MA 01608 | HORIZON HEALTHCARE SERVICES, INC. | $101K | $0 | $101K | 2.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, INC. | 100 FRONT STREET SUITE 800 WORCESTER, MA 01608 | DELTA DENTAL OF NJ, INC. | $7K | $0 | $7K | 1.93% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 44 WHIPPANY ROAD MORRISTOWN, NJ 07960 | DELTA DENTAL OF NJ, INC. | $2K | $0 | $2K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 | 500 BOYLSTON STREET SUITE 300 BOSTON, MA 02116 | SUN LIFE ASSURANCE COMPANY OF CANADA | $0 | $11K | $11K | 3.48% |
| MARSH & MCLENNAN AGENCY LLC3 | 1 EXECUTIVE DRIVE SUITE 300 SOMERSET, NJ 08873 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | $0 | $8K | 2.50% |
| AON CONSULTING INC3 | 806 TYVOLA ROAD SUITE 108 CHARLOTTE, NC 28217 | SUN LIFE ASSURANCE COMPANY OF CANADA | $6K | $0 | $6K | 1.79% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 100 FRONT STREET SUITE 800 WORCESTER, MA 016081435 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.58% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 29840 NETWORK PLACE CHICAGO, IL 606731298 | VISION SERVICE PLAN | $643 | $0 | $643 | 1.09% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 221 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 204 | $3.8M |
| Dental | DELTA DENTAL OF NJ, INC. | 207 | $355K |
| Vision | VISION SERVICE PLAN | 198 | $59K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $308K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $308K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $308K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 204 | $3.8M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 242 | $308K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.