| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES LLC | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC | $23K | — | $23K | 3.38% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES LLC | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC | $4K | — | $4K | 3.38% |
| HAFETZ AND ASSOCIATES, LLC3 Filed as: HAFETZ & ASSOCIATES LLC | 124 TURNER STREET MANTUA, NJ 08051 | USABLE LIFE | $3K | — | $3K | 13.04% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $1K | $1K | 6.04% |
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 | 26 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 26 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC | 42 | $688K |
| Vision | VISION SERVICE PLAN | 45 | $14K |
| Life insurance | USABLE LIFE | 69 | $24K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 42 | $119K |
| Other | USABLE LIFE | 69 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 69 | — |
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."
No prospect flags tripped on this filing.