| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $108K | — | $108K | 4.40% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $17K | — | $17K | 4.41% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 3.54% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 11.24% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $3K | $3K | 4.24% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 074070000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.44% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $817 | $817 | 2.44% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $298 | — | $298 | 7.47% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $168 | $168 | 4.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 074070000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $97 | $97 | 2.43% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 130 | $2.5M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 133 | $149K |
| Vision | HORIZON INSURANCE COMPANY | 131 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 141 | $59K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 130 | $380K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.