| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSURANCE AGENCY LTD3 Filed as: A P BENEFIT ADVISORS LLC DBA ASSURE | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $18K | $4K | $21K | 3.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $3K | $15K | 2.38% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ LLC | 20 COMMERCE DR CRANFORD, NJ 07016 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 4.81% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE INSURANCE BROKERAGE | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | AETNA LIFE INSURANCE CO. | $505 | — | $505 | 1.53% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW J | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.99% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $476 | — | $476 | 4.01% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $159 | $159 | 1.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY, LLC | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 080542202 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | VISION SERVICE PLAN | $0 | — | $0 | 0.00% |
| HERBERT L. JAMISON & CO. LLC3 | 20 COMMERCE DRIVE FL 2 CRANFORD, NJ 070163612 | VISION SERVICE PLAN | -$3 | — | -$3 | -0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNER OF NEW J | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $724 | — | $724 | 8.80% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 1 COPPERFILED WAY MORRISTOWN, NJ 07960 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $264 | — | $264 | 3.21% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $110 | $110 | 1.34% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $194 | — | $194 | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $96 | — | $96 | 8.77% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $35 | — | $35 | 3.20% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $15 | $15 | 1.37% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | — | $104 | 11.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JE | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $104 | — | $104 | 11.98% |
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 | 122 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 62 | $616K |
| Dental | AETNA LIFE INSURANCE CO. | 115 | $33K |
| Vision | VISION SERVICE PLAN | 53 | $11K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $9K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $13K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 62 | $616K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 122 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.