| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $33K | $7K | $40K | 5.83% |
| PRECISION BENEFITS GROUP3 Filed as: PRECISION BENEFITS GROUP LLC | 2325 BROWN ST STE 1F PHILADELPHIA, PA 19130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.27% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $663 | $4K | 5.85% |
| PRECISION BENEFITS GROUP3 Filed as: PRECISION BENEFITS GROUP LLC | 2325 BROWN ST STE 1F PHILADELPHIA, PA 19130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 10.34% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $211 | $211 | 1.26% |
| PRECISION BENEFITS GROUP3 Filed as: PRECISION BENEFITS GROUP LLC | 2325 BROWN ST STE 1F PHILADELPHIA, PA 19130 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $136 | $136 | 1.28% |
| HAFETZ AND ASSOCIATES, LLC3 | 609 NEW ROAD LINWOOD, NJ 08221 | HORIZON INSURANCE COMPANY | $615 | — | $615 | 9.97% |
| MARTINELLI INSURANCE AGY LLC3 | 425 HURFFVILLE-CROSSKEYS RD SUITE #4 SEWELL, NJ 08080 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| PETERSON DOUGLAS C3 | 598 RIVERWOOD AVE PT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| POL ALICE C3 | 118 EATON WAY CHERRY HILL, NJ 08003 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 226 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 104 | $688K |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 223 | $83K |
| Vision | HORIZON INSURANCE COMPANY | 104 | $6K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $27K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 104 | $66K |
| Other(3 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 228 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.