| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $150K | $52K | $202K | 3.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $32K | $11K | $43K | 3.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $63K | $18K | $80K | 9.18% |
| DAVID GROSSMAN3 Filed as: DAVID GROSSMAN C/O KINGSBRIDGE | 33 CLINTON ROAD SUITE 205 WEST CALDWELL, NJ 07006 | METROPOLITAN LIFE INSURANCE COMPANY | $53K | — | $53K | 17.06% |
| KRISTOPHER GROSSMAN3 Filed as: KRISTOPHER GROSSMAN C/O KINGSBRIDGE | 33 CLINTON ROAD SUITE 205 WEST CALDWELL, NJ 07006 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | — | $18K | 5.69% |
| DAVID GROSSMAN3 | KINGSBRIDGE FINANCIAL GROUP 33 CLINTON ROAD STE 205 WEST CALDWELL, NJ 07006 | VISION SERVICE PLAN | $2K | — | $2K | 3.27% |
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 | 397 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 397 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 333 | $5.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 397 | $876K |
| Vision | VISION SERVICE PLAN | 395 | $59K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $311K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 397 | $876K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 397 | $876K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 297 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.