| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $138K | $0 | $138K | 2.51% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DELTA DENTAL OF NJ, INC. | $26K | $0 | $26K | 9.47% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 14.42% |
| CONNER STRONG & BUCKELEW3 Filed as: CONNER STRONG & BUCKELEW COMPANY | PO BOX 99106 CAMDEN, NJ 08101 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $327 | $4K | 6.59% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $787 | $0 | $787 | 1.41% |
| GARY WOOD ASSOCIATES, INC.3 Filed as: GARY WOOD ASSOCIATES, INC | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | EYEMED VISION | $4K | $0 | $4K | 11.17% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $811 | $0 | $811 | 17.01% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $272 | $0 | $272 | 17.05% |
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 | 629 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 496 | $5.5M |
| Dental | DELTA DENTAL OF NJ, INC. | 742 | $274K |
| Vision | EYEMED VISION | 789 | $35K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $67K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 103 | $56K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 496 | $5.5M |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 132 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 789 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.