| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $110K | $33K | $143K | 4.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $23K | $7K | $30K | 4.40% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $49K | $9K | $58K | 9.92% |
| DAVID GROSSMAN3 Filed as: DAVID GROSSMAN C/O KINGSBRIDGE | 1455 BROAD STREET SUITE 300 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 3.30% |
| KRISTOPHER GROSSMAN3 Filed as: KRISTOPHER GROSSMAN C/O KINGSBRIDGE | 1455 BROAD STREET SUITE 300 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.10% |
| DAVID GROSSMAN3 | KINGSBRIDGE FINANCIAL GROUP 1455 BROAD STREET BLOOMFIELD, NJ 07003 | VISION SERVICE PLAN | $2K | — | $2K | 4.12% |
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 | 320 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 320 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 236 | $3.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $590K |
| Vision | VISION SERVICE PLAN | 302 | $43K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 320 | $162K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $590K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 299 | $590K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 236 | $683K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.