| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES, INC. | $46K | — | $46K | 4.81% |
| LYONS COMPANIES3 | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 4.68% |
| LYONS COMPANIES3 | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | USABLE LIFE | $6K | — | $6K | 14.05% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST, SUITE M2H NEWARK, NJ 07105 | USABLE LIFE | — | $4K | $4K | 9.76% |
| KEVIN O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $620 | $2K | 11.41% |
| LYONS COMPANIES3 | ONE RIGHTER PARKWAY WILMINGTON, DE 19803 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | — | $2K | 10.91% |
| ROBERT H. ROTH3 | 9 DEARBORN LANE BEAR, DE 19701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $338 | $2K | 10.62% |
| JAMIE LEIGH O'NEILL3 | 5626 KIRKWOOD HIGHWAY WILMINGTON, DE 19808 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $172 | $28 | $200 | 1.23% |
| BRYLIN EMPLOYEE BENEFITS LLC3 Filed as: BRYLIN EMPLOYEE BENEFITS, LLC | 37 PONDVIEW DRIVE ALLENTOWN, NJ 08501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $25 | — | $25 | 0.15% |
| LYONS COMPANIES3 | ONE RIGHTER PARKWAY, SUITE 110 WILMINGTON, DE 19803 | VISION SERVICE PLAN | $784 | — | $784 | 7.16% |
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 | 111 | 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) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 80 | $962K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 88 | $56K |
| Vision | VISION SERVICE PLAN | 0 | $11K |
| Life insurance | USABLE LIFE | 106 | $41K |
| Long-term disability | USABLE LIFE | 106 | $41K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 80 | $962K |
| Other(2 contracts, 2 carriers) | USABLE LIFE | 2,600 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,600 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.