Form 5500 · Employee benefit plan · PARSIPPANY, NJ
SMOLIN, LUPIN & CO., LLC
The filing calls this plan SMOLIN, LUPIN & CO., LLC HEALTH AND WELFARE BENEFIT PLAN.
Public Form 5500 records show how SMOLIN, LUPIN & CO., LLC of PARSIPPANY, NJ, a professional services employer, structures its employee benefits. Its broker of record is SAVOY ASSOCIATES. Coverage is written through HORIZON HEALTHCARE SERVICES, INC. and 3 other carriers. The plan's most recent policy period ended in December.
Sourced from U.S. DOL EFAST2 Form 5500 · EIN 22-2258733 · plan 501 · plan year 2024, filed Jul 21, 2025
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How this plan is funded
Fully insured as reported
The filing reports medical coverage through an insurance contract on Schedule A, and no money paid for benefits by the plan itself.
Benefits declared on this filing
Declared benefits are the plan’s own line 8b codes on Form 5500. “Not on Schedule A” means no insured contract for that line appears on this filing. That usually means the benefit is self-funded, or it sits under a different plan number.
Where a line has more than one insured contract, the carrier and the covered figure are the largest contract's by premium. The contracts are not added up: a pharmacy carve-out and the medical carrier beside it cover the same people.
Persons covered is the count the carrier filed for that policy at the end of its policy year, and it can include dependents. Participants is the plan's own count at the start of its plan year. The two count different people, so a covered figure can be larger.
Plan brief
Schedule A lists 6 insured contracts covering health, dental, vision, life and disability; the largest, with HORIZON HEALTHCARE SERVICES, INC., covers 75 people.
Reported premium across the insured contracts is $1,933,054, with $100,427 in disclosed broker commissions — about 5.2% of premium.
The health contract's policy period ended in December, while at least one ancillary line's policy period ended in June. The plan is on a split renewal cycle.
SAVOY ASSOCIATES is the broker of record on 2 of the 6 contracts; the rest name a different broker or none.
4 carriers appear on the filing, including HORIZON HEALTHCARE SERVICES, INC., THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA, USABLE LIFE and THE LINCOLN NATIONAL LIFE INSURANCE COMPANY. HORIZON HEALTHCARE SERVICES, INC. writes the largest contract by premium.
Schedule A insurance contracts
| Carrier | Benefits | Covered | Renews | Premium | Commission |
|---|---|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. | Health | 75 | Jan 1, 2025 | $1,492,308 | $71,631 |
| HORIZON HEALTHCARE SERVICES, INC. | Health | 75 | Jan 1, 2025 | $322,716 | $15,470 |
| THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | Dental, Vision | 62 | Jul 1, 2024 | $73,643 | $7,518 |
| USABLE LIFE | Disability | 117 | Jul 1, 2024 | $33,174 | $4,209 |
| USABLE LIFE | Life | 116 | Jul 1, 2024 | $8,343 | $1,169 |
| THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | Disability | 13 | Feb 1, 2024 | $2,870 | $430 |
Covered = persons covered at policy year end, as filed on Schedule A for that policy — often certificates or one class, not the whole plan. Premium = the filing’s own premium/charges figure; “—” means not credibly reported.
Administrator and service providers
The plan administrator is from line 3a of the main form. We publish company names only.
Other plans filed by this employer
How this plan compares
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