| 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. | $78K | $19K | $97K | 4.23% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $3K | $15K | 4.23% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $6K | $6K | $12K | 8.30% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 14.14% |
| 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 | $3K | $3K | 4.71% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MILVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $567 | — | $567 | 0.86% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 074070000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $189 | $189 | 0.29% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 9.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC | 1933 STATE ROUTE 35 STE 368 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.68% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $241 | — | $241 | 0.64% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 074070000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $121 | $121 | 0.32% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLD DBA ASSURED | 718 RIVER RD FAIR HAVEN, NJ 07704 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 9.91% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $421 | — | $421 | 9.36% |
| 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 | $211 | $211 | 4.69% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $29 | — | $29 | 0.64% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 074070000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $14 | $14 | 0.31% |
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 | 136 | 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) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 122 | $2.3M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 123 | $141K |
| Vision | HORIZON INSURANCE COMPANY | 123 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $66K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 122 | $359K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 136 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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.