| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $49K | — | $49K | 3.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $10K | — | $10K | 3.40% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC | $5K | — | $5K | 3.98% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BEL, PA 19422 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 4.43% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 7.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BEL, PA 19422 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 8.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BEL, PA 19422 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | VISION SERVICE PLAN | $868 | — | $868 | 6.55% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $265 | — | $265 | 10.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BEL, PA 19422 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $132 | — | $132 | 4.98% |
| RSC INSURANCE BROKERAGE INC3 | 750 THIRD AVENUE SUITE 1500 NEW YORK, NY 10017 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $361 | — | $361 | 15.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BEL, PA 19422 | RELIANCESTANDARD LIFE INSURANCE COMPANY | $120 | — | $120 | 4.99% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 107 | $1.4M |
| Dental | HORIZON HEALTHCARE SERVICES, INC | 118 | $116K |
| Vision | VISION SERVICE PLAN | 113 | $13K |
| Life insurance | RELIANCESTANDARD LIFE INSURANCE COMPANY | 162 | $74K |
| Short-term disability(2 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 145 | $40K |
| Long-term disability | RELIANCESTANDARD LIFE INSURANCE COMPANY | 162 | $53K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 98 | $308K |
| Other(3 contracts) | RELIANCESTANDARD LIFE INSURANCE COMPANY | 162 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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.