| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID GROSSMAN3 | 33 CLINTON ROAD SUITE 205 WEST CALDWELL, NJ 07006 | HORIZON HEALTHCARE SERVICES, INC. | $74K | — | $74K | 2.67% |
| DAVID GROSSMAN3 | 33 CLINTON ROAD SUITE 205 WEST CALDWELL, NJ 07006 | HORIZON HEALTHCARE SERVICES, INC. | $4K | — | $4K | 1.32% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 1787 SENTRY PKWY W SUITE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $2K | $14K | 5.91% |
| DAVID GROSSMAN3 | C/O KINGSBRIDGE FINANCIAL GROUP 33 CLINTON RD, SUITE 205 WEST CALDWELL, NJ 07006 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.42% |
| KRISTOPHER GROSSMAN3 | C/O KINGSBRIDGE FINANCIAL GROUP 33 CLINTON RD, SUITE 205 WEST CALDWELL, NJ 07006 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 1.42% |
| DAVID GROSSMAN3 | 1455 BROAD STREET SUITE 300 BLOOMFIELD, NJ 07003 | VISION SERVICE PLAN | $564 | — | $564 | 2.73% |
| KRISTOPHER GROSSMAN3 | 1455 BROAD STREET SUITE 300 BLOOMFIELD, NJ 07003 | VISION SERVICE PLAN | $564 | — | $564 | 2.73% |
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 | 288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 190 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $239K |
| Vision | VISION SERVICE PLAN | 168 | $21K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $239K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 33 | $330K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 288 | $239K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.