| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE NY, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $15K | — | $15K | 1.15% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON HEALTHCARE SERVICES, INC. | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE NY, NY 11747 | HORIZON INSURANCE COMPANY | $731 | — | $731 | 10.20% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD BERWYN, PA 19312 | HORIZON INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| STANLEY H ALLEN INC3 | BLDG C 630 S BREWSTER RD VINELAND, NJ 08360 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $936 | — | $936 | 19.07% |
| STANLEY H ALLEN INC3 | PO BOX 790 630 S BREWSTER RD VINELAND, NJ 08362 | AFLAC | $3K | — | $3K | 100.00% |
| MARYANN M MEYERS3 | 6704 PLEASURE AVE STE B SEA ISLA CITY, NJ 08243 | AFLAC | $0 | — | $0 | 0.00% |
| MAGDALY SANTOS3 | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $0 | — | $0 | 0.00% |
| LINDA DUNFEE3 Filed as: LINDA D DUNFEE | 1241 ALMONESSON RD DEPTFORD, NJ 08096 | AFLAC | $0 | — | $0 | 0.00% |
| THOMAS DUNFEE3 | 1241 ALONESSONRD DEPTFORD, NJ 08096 | AFLAC | $0 | — | $0 | 0.00% |
| JOHN T CAPOZZI3 | 242 WIKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $0 | — | $0 | 0.00% |
| MAGDALY SANTOS3 | 1032 RAINBOW CIR PITTSGROVE, NJ 08318 | AFLAC | $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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 144 | $1.3M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 159 | $46K |
| Vision | HORIZON INSURANCE COMPANY | 148 | $7K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 244 | $8K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 144 | $1.3M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 41 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.