| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | HORIZON HEALTHCARE SERVICES, INC. | $63K | — | $63K | 4.79% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | HORIZON HEALTHCARE SERVICES, INC | $11K | — | $11K | 4.86% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | DELTA DENTAL OF NJ, INC | $4K | — | $4K | 4.31% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | LINE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.68% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.52% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY EDISON, NJ 08817 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $355 | — | $355 | 12.01% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY SUITE 1080 EDISON, NJ 08817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $283 | $176 | $459 | 16.22% |
| FERRARA FINANCIAL GROUP, LLC3 Filed as: FERRARA FINANCIAL GROUP LLC | 1150 RARITAN ROAD CRANFORT, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6 | — | $6 | 0.21% |
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 | 109 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 87 | $1.3M |
| Dental | DELTA DENTAL OF NJ, INC | 95 | $97K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 27 | $3K |
| Life insurance | LINE INSURANCE COMPANY OF NORTH AMERICA | 108 | $27K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $17K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC | 87 | $223K |
| Other(2 contracts, 2 carriers) | LINE INSURANCE COMPANY OF NORTH AMERICA | 108 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.