| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| M3 INSURANCE SOLUTIONS INC3 Filed as: CHAS E RUE & SON INC / RUE INSURANC | 3812 QUAKERBRIDGE ROAD TRENTON, NC 08619 | HORIZON HEALTHCARE SERVICES, INC. | $25K | — | $25K | 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 | — | $4K | 0.71% |
| M3 INSURANCE SOLUTIONS INC3 Filed as: CHAS E RUE & SON INC / RUE INSURANC | 3812 QUAKERBRIDGE RD PO BOX 3006 HAMILTON, NJ 08619 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 3.49% |
| CHAS E RUE & SON INC3 | 3812 QUAKERBRIDGE ROAD HAMILTON, NJ 08619 | USABLE LIFE | $2K | — | $2K | 10.98% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | $0 | $2K | $2K | 8.12% |
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 | 210 | 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) | 210 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 140 | $2.1M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 322 | $154K |
| Life insurance | USABLE LIFE | 210 | $21K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 140 | $585K |
| Other | USABLE LIFE | 210 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
No prospect flags tripped on this filing.