| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES INC | $17K | — | $17K | 1.17% |
| MARTIN FINANCIAL GROUP3 | 4 INDEPENDENCE WAY PRINCETON, NJ 08540 | HORIZON HEALTHCARE SERVICES INC | $12K | — | $12K | 0.81% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES INC | $4K | — | $4K | 1.51% |
| MARTIN FINANCIAL GROUP3 | 4 INDEPENDENCE WAY PRINCETON, NJ 08540 | HORIZON HEALTHCARE SERVICES INC | $3K | — | $3K | 1.05% |
| FENNESSY AGENCY3 | 3 POPLAR LN MORRISTOWN, NJ 07960 | FLAGSHIP HEALTH SYSTEMS | $670 | — | $670 | 3.02% |
| KRESSLER, WOLFF, & MILLER3 Filed as: KRESSLER WOLFF & MILLER INC | 40 S 4TH ST EASTON, PA 18042 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 12.95% |
| MARTIN INSURANCE GROUP3 Filed as: MARTIN INSURANCE SERVICES INC | 259 PROSPECT PLAIN RD BLDG F STE 110 CRANBURY, NJ 08512 | USABLE LIFE | $2K | — | $2K | 13.83% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA E M2H NEWARK, NJ 07105 | USABLE LIFE | — | $939 | $939 | 6.78% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 172 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC | 114 | $1.4M |
| Dental | FLAGSHIP HEALTH SYSTEMS | 59 | $22K |
| Vision | HORIZON HEALTHCARE SERVICES INC | 114 | $1.4M |
| Life insurance | USABLE LIFE | 124 | $14K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 122 | $22K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC | 114 | $241K |
| Other | USABLE LIFE | 124 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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."
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.