| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | HORIZON HEALTHCARE SERVICES, INC. | $20K | — | $20K | 2.82% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FIN. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $3K | $13K | 1.76% |
| ANTHONY G COLLINCINI3 Filed as: ANTHONY G. COLLINCINI | 165 WOOLLEY COURT OAKHURST, NJ 07755 | AFLAC | $2K | $251 | $3K | 14.27% |
| DANDLEY ALEXANDRE3 | 1 DONALD STREET APARTMENT B BLOOMFIELD, NJ 07003 | AFLAC | $752 | $60 | $812 | 4.24% |
| SAMANTHA CIOFFI3 Filed as: SAMANTHA E. CIOFFI | PO BOX 7131 OAKLAND, NJ 07436 | AFLAC | $532 | $60 | $592 | 3.09% |
| LOCKTON COMPANIES, LLC3 | 725 SOUTH FIGUEROA STREET 35TH FLOOR LOS ANGELES, CA 90017 | AFLAC | $580 | $0 | $580 | 3.03% |
| ELISE MONTEFORTE AND OTHERS3 | 13 EAGLE NEST ROAD COLTS NECK, NJ 07722 | AFLAC | $443 | $13 | $456 | 2.38% |
| DAYELDY CARRASCO CARRASCO3 | 36 WASHINGTON AVENUE APARTMENT 519 CARTERET, NJ 07008 | AFLAC | $172 | $7 | $179 | 0.93% |
| MICHAEL S ANDERSON3 Filed as: MICHAEL S. ANDERSON | 10907 GALLOP FLS SAN ANTONIO, TX 78254 | AFLAC | $113 | $0 | $113 | 0.59% |
| COSMO INSURANCE AGENCY INC3 Filed as: COSMO INSURANCE AGENCY | 1600 AVENUE OF THE STATES LAKEWOOD, NJ 08701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $272 | $2K | 11.46% |
| JENNIFER MCCLELLAN3 | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $468 | $916 | $1K | 10.45% |
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES, LLC AND OTHERS | C/O BANK OF AMERICA BOSTON, MA 02241 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $358 | $109 | $467 | 3.53% |
| DAVID J MCCLELLAN3 Filed as: DAVID J. MCCLELLAN | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $362 | $453 | 3.42% |
| LAURA ALICIA CARDENAZ3 | 1223 COUNTY ROAD 677 BRAZORIA, TX 77422 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $409 | — | $409 | 3.09% |
| MS BENEFITS3 Filed as: MS BENEFITS, LLC | 100 CHALLENGER ROAD, SUITE 105 RIDGEFIELD PARK, NJ 07660 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $208 | $32 | $240 | 1.81% |
| PARKS BENEFITS & ENROLLMENT LLC3 Filed as: PARKS BENEFITS & ENROLLMENT, LLC | 504 LITCHFIELD LANE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $196 | $41 | $237 | 1.79% |
| MARK HERSCHLAG3 | UNKNOWN LAKEWOOD, NJ 08701 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $628 | $0 | $628 | 8.46% |
| LOCKTON COMPANIES, LLC3 | 444 WEST 47TH STREET, SUITE 900 KANSAS CITY, MO 64112 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $385 | — | $385 | 5.19% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $209 | $209 | 2.82% |
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET SUITE 5200 LOS ANGELES, CA 90017 | HORIZON INSURANCE COMPANY | $387 | $0 | $387 | 5.79% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE FIN. | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | HORIZON INSURANCE COMPANY | $190 | $0 | $190 | 2.84% |
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 | 267 | 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) | 267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 147 | $727K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 147 | $726K |
| Vision | HORIZON INSURANCE COMPANY | 141 | $7K |
| Life insurance(3 contracts, 3 carriers) | AFLAC | 178 | $40K |
| Short-term disability(2 contracts, 2 carriers) | AFLAC | 47 | $32K |
| Long-term disability(2 contracts, 2 carriers) | AFLAC | 47 | $32K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 147 | $726K |
| Other(3 contracts, 3 carriers) | AFLAC | 178 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.