| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHAS E RUE & SON INC3 Filed as: CHAS. E RUE & SON T/A RUE INSURANCE | 3812 QUAKERBRIDGE RD TRENTON, NJ 08619 | HORIZON HEALTHCARE SERVICES, INC. | $24K | $0 | $24K | 1.22% |
| CHAS E RUE & SON INC3 Filed as: CHAS. E RUE & SON T/A RUE INSURANCE | 3812 QUAKERBRIDGE RD TRENTON, NJ 08619 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $0 | $4K | 0.71% |
| CHAS E RUE & SON INC3 Filed as: CHAS. E. RUE & SON INC. T/A RUE INS | 3812 QUAKERBRIDGE RD PO BOX 3006 HAMILTON, NJ 08619 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | $0 | $5K | 2.86% |
| MARSH & MCLENNAN AGENCY LLC3 | 101 HUNTINGTON AVENUE SUITE 401 BOSTON, MA 021997652 | DELTA DENTAL OF NEW JERSEY, INC. | $584 | $0 | $584 | 0.35% |
| CHAS E RUE & SON INC3 | 3812 QUAKERBRIDGE ROAD HAMILTON, NJ 08619 | USABLE LIFE | $2K | $0 | $2K | 10.76% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $2K | $2K | 7.98% |
| CHAS E RUE & SON INC3 Filed as: CHAS. E RUE & SON T/A RUE INSURANCE | 3812 QUAKERBRIDGE RD TRENTON, NJ 08619 | HORIZON INSURANCE COMPANY | $1K | $0 | $1K | 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 | 220 | 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) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 152 | $1.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 349 | $167K |
| Vision | HORIZON INSURANCE COMPANY | 148 | $11K |
| Life insurance | USABLE LIFE | 220 | $23K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 152 | $554K |
| Other | USABLE LIFE | 220 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 349 | — |
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.