| 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. | $71K | $21K | $92K | 4.40% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $11K | $3K | $14K | 4.40% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $5K | $6K | $11K | 8.82% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 10.12% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 4.88% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKELEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 3.37% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $740 | $740 | 1.63% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 6.66% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $944 | — | $944 | 3.34% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKELEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $943 | $943 | 3.33% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEBA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $472 | $472 | 1.67% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NC 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 15.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $844 | $844 | 5.00% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 10.05% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $998 | — | $998 | 10.00% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $499 | $499 | 5.00% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $224 | — | $224 | 6.65% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $112 | — | $112 | 3.33% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKELEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $112 | $112 | 3.33% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $56 | $56 | 1.66% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $59 | $59 | 4.97% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $0 | $0 | 0.00% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | — | $0 | 0.00% |
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 | 118 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 120 | $2.1M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 123 | $129K |
| Vision | HORIZON INSURANCE COMPANY | 129 | $11K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $38K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 134 | $62K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 120 | $330K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 133 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.