| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD STE 320 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES,INC. | $74K | $15K | $90K | 5.85% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES,INC. | $7K | $2K | $9K | 5.85% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD STE 320 MELVILLE, NY 11747 | DELTA DENATL OF NEW JERSEY, INC. | $6K | $0 | $6K | 5.00% |
| NATIONAL HR RBN ASSOCIATES LLC3 | 2101 NJ-70 CHERRY HILL, NY 08003 | DELTA DENATL OF NEW JERSEY, INC. | $6K | $0 | $6K | 5.00% |
| NATIONAL HR RBN ASSOCIATES LLC3 | 2101 NJ-70 STE 320 CHERRY HILL, NJ 08003 | PRINCIPAL LIFE INSURNACE COMPANY | $9K | $0 | $9K | 12.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURNACE COMPANY | $0 | $4K | $4K | 5.05% |
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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES,INC. | 87 | $1.5M |
| Dental | DELTA DENATL OF NEW JERSEY, INC. | 103 | $114K |
| Vision | PRINCIPAL LIFE INSURNACE COMPANY | 111 | $72K |
| Life insurance | PRINCIPAL LIFE INSURNACE COMPANY | 111 | $72K |
| Short-term disability | PRINCIPAL LIFE INSURNACE COMPANY | 111 | $72K |
| Long-term disability | PRINCIPAL LIFE INSURNACE COMPANY | 111 | $72K |
| Prescription drug | HORIZON HEALTHCARE SERVICES,INC. | 53 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 111 | — |
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.
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.