| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $62K | $18K | $80K | 4.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $9K | $3K | $11K | 4.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $4K | $4K | $8K | 9.37% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $786 | $9K | 16.32% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $58 | $2K | 3.49% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $197 | $6K | 15.04% |
| PHOENIX INSURANCE GROUP, INC.3 | 205 MAIN ST CHESTER, NJ 07930 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $346 | — | $346 | 0.89% |
| PENTRA LLC3 Filed as: PENTRA, LLC | 1041 OLD CASSATT RD BERWYN, PA 19312 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | $472 | $5K | 16.30% |
| BENEFIT ADVISORS NETWORK LLC3 Filed as: BENEFIT ADVISORS NETWORK | 23825 COMMERCE PARK BEACHWOOD, OH 44122 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 19312 | VISION SERVICE PLAN | $1K | — | $1K | 5.87% |
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 | 138 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 143 | $1.9M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 127 | $81K |
| Vision | VISION SERVICE PLAN | 131 | $18K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $56K |
| Short-term disability | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 58 | $39K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 48 | $34K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 81 | $255K |
| Other(4 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 114 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.