| 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. | $53K | $12K | $65K | 4.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $11K | $2K | $13K | 0.96% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | $0 | $2K | 5.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE LLC | 521 WEST MAIN STREET LANSDALE, PA 19446 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | $0 | $2K | 4.78% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANSDALE, PA 19446 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | $0 | $3K | 9.38% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | $1K | $3K | 8.79% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON INSURANCE COMPANY | $811 | $0 | $811 | 10.01% |
| EMERSON REID LLC3 | UNKNOWN SEWELL, NJ 08080 | ALPHA DENTAL PROGRAMS, INC. | $186 | $0 | $186 | 3.02% |
| UNIVEST INSURANCE INC3 | 521 WEST MAIN STREET LANSDALE, PA 19446 | ALPHA DENTAL PROGRAMS, INC. | $184 | $0 | $184 | 2.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | ALPHA DENTAL PROGRAMS, INC. | $122 | $0 | $122 | 1.98% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 82 | $1.4M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 135 | $44K |
| Vision | HORIZON INSURANCE COMPANY | 82 | $8K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $36K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 103 | $36K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 82 | $1.4M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 109 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.