| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $105K | — | $105K | 2.52% |
| BENEFITS CONSULTING GROUP, SECAUCUS Filed as: BENEFITS CONSULTING GROUP DBA BCG A | 700 PLAZA DRIVE, SUITE 216 SECAUCUS, NJ 07094 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 5.07% |
| BENEFITS CONSULTING GROUP, SECAUCUS Filed as: BENEFITS CONSULTING GROUP DBA BCG A | ONE EVERTRUST PLZ, 11TH FL JERSEY CITY, NJ 07302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.53% |
| LOUIS J DEGATI | 14107 20TH AVENUE WHITESTONE, NY 11357 | AFLAC | $646 | — | $646 | 5.20% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009, SUITE 214 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $371 | — | $371 | 2.98% |
| RICHARD PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $354 | — | $354 | 2.85% |
| JACQUES P DAVID CORPORATION Filed as: JACQUES P DAVID | 35 PINELAWN RD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $144 | — | $144 | 1.16% |
| KENNETH C MEIER CORP Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $77 | — | $77 | 0.62% |
| CONROY AND ASSOC BENEFITS INC. Filed as: CONROY AND ASSOC BENEFITS INC | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $46 | — | $46 | 0.37% |
| BRIAN WHITE Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $16 | — | $16 | 0.13% |
| BENITO A ROTONDI II INC Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $8 | — | $8 | 0.06% |
| TODD J BURKE CORP Filed as: TODD J BURKE | 23 W MEADOW RD SETAUKET, NY 11733 | AFLAC | $7 | — | $7 | 0.06% |
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 | 441 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 441 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 282 | $4.1M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 301 | $137K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 426 | $95K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 426 | $95K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 282 | $4.1M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 426 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 426 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.