| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSONR REID NJ | 1305 WALT WHIMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $66K | — | $66K | 3.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICE, INC. | $14K | — | $14K | 3.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELWILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC | $6K | — | $6K | 3.47% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.46% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.39% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.60% |
| EMERSON REID LLC3 | 350 5TH AVE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 8.84% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 9.14% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL ST FL2 BOSTON, MA 02110 | VISION SERVICE PLAN | $1K | — | $1K | 5.38% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EMERSON REID LLC3 | 350 5TH AVE #3700 NEW YORK, NY 10118 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $2K | $2K | 9.64% |
| ANTHONY WEISBECKER3 Filed as: ANTHONY J WEISBECKER | 121 CLUB PL GALLOWAY, NJ 08205 | AFLAC | $2K | — | $2K | 11.72% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 N MAIN ST STE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $321 | — | $321 | 2.47% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $196 | — | $196 | 1.51% |
| THOMAS VOLPE3 | PO BOX 8675 ATLANTIC CITY, NJ 08404 | AFLAC | $158 | — | $158 | 1.21% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DR GLASSBORO, NJ 08028 | AFLAC | $135 | — | $135 | 1.04% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NJ 08053 | AFLAC | $104 | — | $104 | 0.80% |
| RUSSELL L. DAYVAULT3 Filed as: RUSSELL L DAYVAULT | 2777 MEADOWVIEW CT TARPON SPRINGS, FL 34688 | AFLAC | $77 | — | $77 | 0.59% |
| SVETLANA ZEITLIN3 | 105 ADDIS DR CHURCHVILLE, PA 18966 | AFLAC | $43 | — | $43 | 0.33% |
| ANDREW J JUNIKIEWICZ JR3 | 22 BROOK HOLLOW DR SINKING SPRING, PA 19608 | AFLAC | $36 | — | $36 | 0.28% |
| MICHAEL C WALKER3 Filed as: MICHAEL J SHIOMOS | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $36 | — | $36 | 0.28% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $21 | — | $21 | 0.16% |
| THOMAS VOLPE3 | 6 N NEW HAMPSHIRE AVE UNIT 2A ATLANTIC CITY, NJ 08401 | AFLAC | $14 | — | $14 | 0.11% |
| JENNIFER WEISBECKER3 | 49 DRIFTWOOD CT GALLOWAY, NJ 08205 | AFLAC | $12 | — | $12 | 0.09% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUTIE 105 PISCATAWAY, NJ 08854 | AFLAC | $8 | — | $8 | 0.06% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $3 | — | $3 | 0.02% |
| TIMOTHY MCDERMOTT3 | 29 MAPLE LN MT ARLINGTON, NJ 07856 | AFLAC | $2 | — | $2 | 0.02% |
| JULIO E ZURITA3 | 273 VALLEY RD RIVER EDGE, NJ 07661 | AFLAC | $1 | — | $1 | 0.01% |
| ANTHONY WEISBECKER3 Filed as: ANTHONY J WEISBECKER | 121 CLUB PL GALLOWAY, NJ 08205 | AFLAC | $447 | — | $447 | 4.49% |
| KAREN BECHTELHEIMER3 | 67 STONESHIRE DR GLASSBORO, NJ 08028 | AFLAC | $194 | — | $194 | 1.95% |
| THOMAS VOLPE3 | PO BOX 8675 ATLANTIC CITY, NJ 08404 | AFLAC | $111 | — | $111 | 1.11% |
| MICHAEL BUTTERFIELD3 Filed as: MICHAEL WING | 927 N MAIN ST STE A6 PLEASANTVILLE, NJ 08232 | AFLAC | $107 | — | $107 | 1.07% |
| GLENN H CARTER3 | 7103 ORCHARD TRCE WILMINGTON, NC 28409 | AFLAC | $104 | — | $104 | 1.04% |
| CHERYL OLSEN3 | 74 TRESTLE LEAF PITTSBORO, NC 27312 | AFLAC | $68 | — | $68 | 0.68% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DR MIDDLETOWN, DE 19709 | AFLAC | $54 | — | $54 | 0.54% |
| LYNN A GOULD3 | 210 LEXINGTON DR LITTLE EGG HARBOR, NJ 08087 | AFLAC | $51 | — | $51 | 0.51% |
| THOMAS VOLPE3 | 5218 ATLANTIC AVE MAYS LANDING, NJ 08330 | AFLAC | $37 | — | $37 | 0.37% |
| LUCY DIANE BAKER3 | 1455 N MELROSE DR APT 109 VISTA, CA 92083 | AFLAC | $34 | — | $34 | 0.34% |
| MICHAEL C WALKER3 Filed as: MICHAEL J SHIOMOS | 44 MONROE DR CLEMENTON, NJ 08021 | AFLAC | $23 | — | $23 | 0.23% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $18 | — | $18 | 0.18% |
| JEFFERY WHITE3 | 8250 PORTERS CROSSING WAY WILMINGTON, NC 28411 | AFLAC | $17 | — | $17 | 0.17% |
| LARRY A WESTON JR3 | 321 WINDSOR RD GREENVILLE, NC 27858 | AFLAC | $13 | — | $13 | 0.13% |
| LEATHA M MOORE3 | 3592 WILLOW MEADOW LN DOUGLASVILLE, GA 30135 | AFLAC | $5 | — | $5 | 0.05% |
| NANCY M ANDERSON3 | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $4 | — | $4 | 0.04% |
| GORDON K VANN3 | 2156 WESLEY LN GREENVILLE, NC 27858 | AFLAC | $3 | — | $3 | 0.03% |
| JILL R LAMBERT3 Filed as: JILL W DENTON | 3500 WESTGATE DR SUITE 602 DURHAM, NC 27707 | AFLAC | $3 | — | $3 | 0.03% |
| LAUREN E SKINNER3 | 1225 NORRIS ST RALEIGH, NC 27604 | AFLAC | $3 | — | $3 | 0.03% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $2 | — | $2 | 0.02% |
| STEPHEN STRICKLAND3 | 147 WARREN DR ROANOKE RAPIDS, NC 27870 | AFLAC | $2 | — | $2 | 0.02% |
| BRIAN WHITE3 Filed as: BRIAN LEYPOLDT | 67 ALLISON PL EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.01% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 900 LIBERTY PL SICKLERVILLE, NJ 08081 | AFLAC | $113 | — | $113 | 4.90% |
| KRISTI A CIESLAK3 | 126 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $60 | — | $60 | 2.60% |
| LORENZO V CUTAIA3 | 123 AZALEA LN EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $18 | — | $18 | 0.78% |
| LYNN A GOULD3 | 210 LEXINGTON DR LITTLE EGG HARBOR, NJ 08087 | AFLAC | $17 | — | $17 | 0.74% |
| BRIAN WHITE3 Filed as: BRIAN HENRY CIESLAK | 325 2 GROVELAND AVE BOX 721 SOMERS POINT, NJ 08244 | AFLAC | $13 | — | $13 | 0.56% |
| MICHAEL BUTTERFIELD3 | 33 FISHING CREEK RD CAPE MAY COURT HOUSE, NJ 08210 | AFLAC | $4 | — | $4 | 0.17% |
| EXCEPTIONAL SERVICES INC3 | 158 PRINTERS LN NEW LONDON, NC 28127 | AFLAC | $2 | — | $2 | 0.09% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1167 W BALTIMORE PIKE MEDIA, PA 19063 | AFLAC | $2 | — | $2 | 0.09% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $1 | — | $1 | 0.04% |
| NANCY M ANDERSON3 | 11 CEDAR CT SOMERS POINT, NJ 08244 | AFLAC | $1 | — | $1 | 0.04% |
| TIMOTHY MCDERMOTT3 | 150 ALLEN RD SUITE 150 BASKING RIDGE, NJ 07920 | AFLAC | $1 | — | $1 | 0.04% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 152 | $1.9M |
| Dental | HORIZON HEALTHCARE SERVICES, INC | 166 | $166K |
| Vision | VISION SERVICE PLAN | 165 | $21K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $108K |
| Short-term disability(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 36 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $36K |
| Prescription drug | HORIZON HEALTHCARE SERVICE, INC. | 151 | $394K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $100K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.