| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $42K | — | $42K | 2.71% |
| FREDERICK G. LEVIN3 Filed as: FREDERICK G LEVIN | 333 EAST LANCASTER AVE #307 WYNNEWOOD, PA 19096 | NATIONWIDE LIFE INSURANCE COMPANY | $6K | — | $6K | 14.05% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | VISION SERVICE PLAN | $651 | — | $651 | 8.14% |
| JON NISTAD3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | VISION SERVICE PLAN | $67 | — | $67 | 0.84% |
| BROKERAGE CONCEPTS INC3 | 801 LAKEVIEW DR STE 301 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 ATTN COMMISSION DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $333 | $2K | — |
| FREDERICK LEVIN3 | 11 MACARTHUR BLVD APT 805 HADDON TOWNSHIP, NJ 08108 | METROPOLITAN LIFE INSURANCE COMPANY | $204 | — | $204 | — |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $115 | $32 | $147 | — |
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 | 0 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 115 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | VISION SERVICE PLAN | 108 | $8K |
| Life insurance | NATIONWIDE LIFE INSURANCE COMPANY | 0 | $44K |
| Other | NATIONWIDE LIFE INSURANCE COMPANY | 0 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.