| 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. | $69K | $14K | $83K | 5.85% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | STANDARD INSURANCE COMPANY | $23K | $1K | $24K | 15.33% |
| UNKNOWN3 | UNKNOWN RED BANK, NJ 07701 | JOHN HANCOCK FINANCIAL SERVICES | $1K | $0 | $1K | 1.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | PO BOX 62939 VIRGINIA BEACH, VA 23466 | HORIZON HEALTHCARE SERVICES, INC. | $989 | $0 | $989 | 5.75% |
| WILLIAM OAKES3 Filed as: WILLIAM S. OAKS | 290 WEST MOUNT PLEASANT AVENUE SUITE 3100 LIVINGSTON, NJ 07039 | TRANSAMERICA LIFE INSURANCE COMPANY | $280 | $0 | $280 | 3.88% |
| INTEGRITY MKTG GROUP LLC3 | 1445 ROSS AVENUE, SUITE 220 DALLAS, TX 75202 | TRANSAMERICA LIFE INSURANCE COMPANY | $280 | $0 | $280 | 3.88% |
| COMMISSION FUND 5 LLC3 Filed as: COMMISSION FUNDING 3 LLC | 11011 Q STREET, SUITE 101B OMAHA, NE 68137 | TRANSAMERICA LIFE INSURANCE COMPANY | $216 | $0 | $216 | 2.99% |
| MASTERCARE SOLUTIONS, INC.3 Filed as: MASTERCARE SOLUTIONS INC | 19085 PINEHURST ROAD BEND, OR 97703 | TRANSAMERICA LIFE INSURANCE COMPANY | $142 | $0 | $142 | 1.97% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 80 | $1.4M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 75 | $17K |
| Life insurance | STANDARD INSURANCE COMPANY | 120 | $155K |
| Long-term disability | STANDARD INSURANCE COMPANY | 120 | $155K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 80 | $1.4M |
| Other(5 contracts, 5 carriers) | STANDARD INSURANCE COMPANY | 626 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 626 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.