| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $51K | — | $51K | 3.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $13K | — | $13K | 3.51% |
| THE ZALIS ORGANIZATION3 | 1 WEST MAIN STREET MARLTON, NJ 080532029 | METROPOLITAN LIFE INSURANCE COMPANY | $28K | $14 | $28K | 9.87% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $713 | $15K | 5.25% |
| BARRY M SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $2K | $39 | $2K | 10.11% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP, INC | 17 OAK LN RANDOLPH, NJ 07869 | AFLAC | $309 | $7 | $316 | 1.50% |
| ANNE SCOFF3 Filed as: ANNE SCHOFF | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $284 | — | $284 | 1.35% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J. JUNIKIEWICZ, JR. | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $189 | — | $189 | 0.90% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $120 | — | $120 | 0.57% |
| IRA M ARDEN3 | 40 WINDHAM CT FLEMINGTON, NJ 08648 | AFLAC | $98 | — | $98 | 0.47% |
| ROBERT C. BRENTARI3 | 2 PRINCESS ROAD LAWRENCEVILLE, NJ 08648 | AFLAC | $62 | — | $62 | 0.29% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICE, INC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $51 | — | $51 | 0.24% |
| MARK SCOFF3 | 82 SAND HILLS ROAD KENDALL PARK, NJ 08824 | AFLAC | $42 | — | $42 | 0.20% |
| ALBERT SHUST3 | 200 CENTRAL AVE. SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $16 | — | $16 | 0.08% |
| TARA MICHELLE D AGOSTINO3 Filed as: TARA MICHELLE D'AGOSTINO | 87A BOOREAM AVE JERSEY CITY, NJ 07307 | AFLAC | $13 | — | $13 | 0.06% |
| ROBERT O'LEARY3 | 41 ABERDEEN CIR FLEMINGTON, NJ 08822 | AFLAC | $13 | — | $13 | 0.06% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $10 | — | $10 | 0.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | P.O. BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $9 | — | $9 | 0.04% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A. PITUCH | 80 US HIGHWAY 46 STE 4 FAIRFIELD, NJ 07004 | AFLAC | $8 | — | $8 | 0.04% |
| RAY ROSTAMI3 | P.O. BO 525 STOCKHOLM, NJ 07480 | AFLAC | $6 | — | $6 | 0.03% |
| NANCY M ANDERSON3 Filed as: NANCY M. ANDERSON | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $5 | — | $5 | 0.02% |
| BRIAN M LEYPOLDT3 Filed as: BRIAN M. LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $4 | — | $4 | 0.02% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L. POPPERT | 1761 MIDDLETOWN ROAD GLEN MILLS, PA 19342 | AFLAC | $1 | — | $1 | 0.00% |
| BETH ANN JUNIKIEWICZ3 | 22 BROOK HOLLOW DR SINKING SPRING PA, PA 19608 | AFLAC | $1 | — | $1 | 0.00% |
| JULIO E ZURITA3 | 273 VALLEY ROAD RIVER EDGE, NJ 07661 | AFLAC | $0 | — | $0 | 0.00% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 07920 | AFLAC | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.03% |
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 | 129 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 121 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $284K |
| Vision | HORIZON INSURANCE COMPANY | 120 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $284K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $284K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $284K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 121 | $372K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $305K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.