| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD - BLD F, STE CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $20K | $4K | $24K | 3.02% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $18K | $4K | $22K | 2.81% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.64% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LEHIGH VALLEY LP | P.O. BOX 746565 ATLANTA, GA 30374 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.32% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC DBA ASHTON BENEFITS | 5664 PRAIRIE CREEK DR. CALEDONIA, MI 49316 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 2.11% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF LEHIGH VALLEY | 3001 EMRICK BLVD BETHLEHEM, PA 18020 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $810 | $2K | 9.62% |
| ACRISURE LLC3 | 600 SYLVAN AVE #301 ENGLEWOOD CLIFFS, NJ 07632 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $974 | — | $974 | 4.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE RTE 35 STE 368 WALL TOWNSHIP, NJ 07719 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $542 | $542 | 2.74% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $434 | $89 | $523 | 3.27% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS RD - BLD F, STE CRANBURY, NJ 08512 | HORIZON HEALTHCARE SERVICES, INC. | $301 | $62 | $363 | 2.27% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF LEHIGH VALLEY | 3001 EMRICK BLVD SUITE 120 BETHLEHEM, PA 18020 | EYEMED | $575 | — | $575 | 5.84% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 3001 EMBRICK BLVD STE 120 BETHLEHAM, PA 18020 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $598 | — | $598 | 12.35% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS 4TH FL NEW YORK, NY 10018 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $159 | — | $159 | 3.28% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS 4TH FL NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $38 | — | $38 | 3.96% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVIC | 3001 EMBRICK BLVD STE 120 BETHLEHAM, PA 18020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48 | — | $48 | 6.87% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1065 AVENUE OF THE AMERICAS 4TH FL NEW YORK, NY 10018 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $42 | — | $42 | 6.01% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 69 | $790K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 145 | $69K |
| Vision | EYEMED | 142 | $10K |
| Life insurance(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $26K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 3 | $16K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 151 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.