Welfare broker

HORIZON INSURANCE COMPANY

Mailing address (most recent filing)

3 PENN PLAZA EAST M2H

NEWARK, NJ 07105

Carrier mix

Where HORIZON INSURANCE COMPANY places premium. Concentrated in 1-2 carriers = captive distribution; spread across many = open-architecture broker.

Top carrier partners

Carriers ranked by plan count placed.

Carrier	Plans	Premium	Share
USABLE LIFE	1	$17.3M	20.0%
HORIZON HEALTHCARE SERVICES, INC.	1	$8.4M	20.0%
GERBER LIFE INSURANCE COMPANY	1	$1.2M	20.0%
EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA	1	$35K	20.0%
DELTA DENTAL OF CALIFORNIA	1	$506K	20.0%

Top states · with penetration index

Plan count by state. Index > 1.0means over-indexed vs the broker's national share.

State	Plans	Premium	State share	Index
NJ	5	$27.4M	0.2%	46.37x

Top industries by premium

NAICS-2 sectors where this broker places the most welfare premium.

Sponsor-size mix

Plan count by total participants. Reveals whether this broker is a mid-market player or jumbo-employer specialist.

Broker compensation as % of premium

Distribution of HORIZON INSURANCE COMPANY's plans by broker comp / premium ratio. Median 1.08% vs welfare-wide median 6.29% (n=5).

Prospect-flag exposure · vs market baseline

Share of HORIZON INSURANCE COMPANY's book where each ERISA welfare flag is tripped, alongside the market-wide rate.

1-5 of 5 sponsors where HORIZON INSURANCE COMPANY is the primary broker (latest filing per plan)

Sponsor	Loc	Premium	Comp	Carrier
HORIZON HEALTHCARE SERVICES, INC. GROUPLIFEINS	NJ	$17.3M	$186K	USABLE LIFE
GLOBAL INDUSTRIES, INC. GLOBAL INDUSTRIES, INC. FLEXIBLE BENEFIT PLAN	NJ	$506K	$23K	DELTA DENTAL OF NEW JERSEY, INC.
TRUSTEES LOCAL 1262 AND SHOPRITE WELFARE FUND UFCW LOCAL 1262 AND SHOPRITE WELFARE FUND	NJ	$8.4M	$23K	HORIZON HEALTHCARE SERVICES
TRUSTEES UFCW L 1262 & EMP H&W FD UFCW LOCAL 1262 & EMPLOYERS HEALTH & WELFARE FUND	NJ	$1.2M	$6K	GERBER LIFE INSURANCE COMPANY
FLAGSHIP RESORT DEV. CORP. FLAGSHIP RESORT DEV. CORP. & FIRST RESORTS MGMT CO. INC. WELFARE BENEFITS PLAN	NJ	$35K	$2K	EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA