| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NH 07932 | HORIZON HEALTHCARE SERVICES, INC. | $67K | $20K | $86K | 4.40% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC | ROUND TABLE STUDIOS SUITE 1000 BERKELEY, CA 07922 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | — | $9K | 5.00% |
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 3.31% |
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE STE 100 SHREWSBURY, NJ 07702 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 15.80% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $675 | $3K | 6.41% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 10.00% |
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 | 330 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 332 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 351 | $2.0M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 379 | $176K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 181 | $24K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $45K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $45K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $45K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 228 | $2.0M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 351 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
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.