| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $45K | $0 | $45K | 3.07% |
| EXECUTIVE FINANCIAL BENE-FACTS INC3 Filed as: EXECUTIVE FINANCIAL GROUP, INC. | 1864 ROUTE 70 EAST CHERRY HILL, NJ 08003 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $0 | $18K | 11.52% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | $0 | $5K | 2.88% |
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 | 195 | 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) | 195 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 110 | $1.5M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 110 | $1.5M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $158K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $158K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $158K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 110 | $1.5M |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 195 | $158K |
| 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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.