| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600080000 | HORIZON HEALTHCARE SERVICES, INC. | $30K | $9K | $39K | 4.02% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $840 | $4K | 0.38% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | 2850 GOLF RD ROLLING MEADOWS, IL 600080000 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $1K | $5K | 4.11% |
| SAVOY ASSOCIATES3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | HORIZON HEALTHCARE SERVICES, INC. | $304 | $89 | $393 | 0.29% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 100, 200 CONNELL DRIVE BERKLEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $4K | $5K | 7.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC - NJ | ROUND TABLE STUDIOS SUITE 100, 200 CONNELL DRIVE BERKLEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.41% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 100, 200 CONNELL DRIVE BERKLEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $204 | $4K | $4K | 47.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC - NJ | ROUND TABLE STUDIOS SUITE 100, 200 CONNELL DRIVE BERKLEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $190 | — | $190 | 2.41% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $197 | $4K | $4K | 48.85% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES INC | ROUND TABLE STUDIOS SUITE 1000 200 CONNELL DRIVE BERKLEY HEIGHTS, NJ 07922 | UNITEDHEALTHCARE INSURANCE COMPANY | $187 | — | $187 | 2.44% |
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 | 156 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 157 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 113 | $971K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 117 | $75K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 109 | $8K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $8K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 113 | $134K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
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.