| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | HORIZON HEALTHCARE SERVICES, INC. | $29K | $0 | $29K | 3.11% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS NEW JERSEY | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $796 | $4K | 0.38% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 4.15% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | DELTA DENTAL OF NEW JERSEY, INC. | $197 | $0 | $197 | 0.29% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $4K | $147 | $4K | 25.64% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, INC. | 1612 MARION STREET COLUMBIA, SC 29201 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $873 | $73 | $946 | 6.00% |
| HOUCHENS INSURANCE GROUP INC3 Filed as: HOUCHENS INSURANCE GROUP, INC. | 1750 SCOTTSVILLE ROAD, SUITE 4 BOWLING GREEN, KY 42104 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $375 | $22 | $397 | 2.52% |
| THE CASON GROUP INC3 Filed as: THE CASON GROUP, LLC | PO BOX 11229 COLUMBIA, SC 29206 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $0 | $307 | $307 | 1.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 100 FRONT STREET, SUITE 800 WORCESTER, MA 01608 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $157 | $2K | 15.48% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80, PLAZA 2 SADDLE BROOK, NJ 07663 | VISION SERVICE PLAN | $911 | $0 | $911 | 9.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $76 | $0 | $76 | 0.77% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN ROAD, SUITE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $49 | $0 | $49 | 0.49% |
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 | 442 | 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) | 442 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 68 | $921K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 153 | $67K |
| Vision | VISION SERVICE PLAN | 89 | $10K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 442 | $16K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 68 | $921K |
| Other(2 contracts, 2 carriers) | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 442 | $31K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 442 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.