| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $35K | $7K | $42K | 5.94% |
| PAM ROCKACY3 | 5 GREAT VALLEY PKWY STE 257 MALVERN, PA 19355 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 3.22% |
| DONALD C SAVOY INC3 | 25 HANOVER RD #B STE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $1K | 1.87% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON | 109 PHEASANT RUN NEWTOWN, PA 18940 | METROPOLITAN LIFE INSURANCE COMPANY | $606 | — | $606 | 0.82% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $949 | — | $949 | 8.86% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $786 | $786 | 7.34% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENFITS | 109 PHEASANT RUN NEWTOWN, PA 18940 | USABLE LIFE | $489 | — | $489 | 4.56% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | USABLE LIFE | $98 | — | $98 | 0.91% |
| PAM ROCKACY3 | 5 GREAT VALLEY PKWY STE 257 MALVERN, PA 19355 | VISION SERVICE PLAN | $604 | — | $604 | 6.23% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL AND JOHNSON BENEFIT | 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $130 | — | $130 | 1.34% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD FLORHAM PARK, NJ 07932 | USABLE LIFE | $875 | — | $875 | 11.45% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $611 | $611 | 8.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENFITS | 109 PHEASANT RUN NEWTWON, PA 18940 | USABLE LIFE | $374 | — | $374 | 4.89% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | USABLE LIFE | $50 | — | $50 | 0.65% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUTIE 220 FLORHAM PARK, NJ 07932 | USABLE LIFE | $826 | — | $826 | 11.47% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $576 | $576 | 8.00% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENFITS | 109 PHEASANT RUN NEWTWON, PA 18940 | USABLE LIFE | $351 | — | $351 | 4.87% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | USABLE LIFE | $47 | — | $47 | 0.65% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD FLORHAM PARK, NJ 07932 | USABLE LIFE | $27 | — | $27 | 10.23% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $21 | $21 | 7.95% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENFITS | 109 PHEASANT RUN NEWTWON, PA 18940 | USABLE LIFE | $16 | — | $16 | 6.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | USABLE LIFE | $2 | — | $2 | 0.76% |
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 | 127 | 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) | 127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 88 | $706K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 195 | $74K |
| Vision | VISION SERVICE PLAN | 81 | $10K |
| Life insurance(2 contracts) | USABLE LIFE | 127 | $18K |
| Long-term disability | USABLE LIFE | 36 | $8K |
| Other(2 contracts) | USABLE LIFE | 127 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.