| 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. | $62K | $18K | $80K | 4.49% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $3K | $13K | 4.49% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $3K | $6K | $9K | 9.29% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.26% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEBA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $780 | $780 | 2.36% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 19.65% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $357 | $1K | $1K | 4.19% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $744 | $744 | 5.00% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 9.97% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $941 | — | $941 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $470 | $470 | 5.00% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $393 | — | $393 | 9.32% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $87 | $87 | 2.06% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | — | $112 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $56 | $56 | 5.00% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 102 | $1.8M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 103 | $97K |
| Vision | HORIZON INSURANCE COMPANY | 101 | $10K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $43K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $48K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 103 | $299K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 119 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.