| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ (2) | 1305 WALT WHITMAND RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES INC | $51K | $0 | $51K | 2.72% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMOOD PARK, NJ 07407 | RELIANCE STANDARD | $8K | — | $8K | 18.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD | $4K | $0 | $4K | 18.00% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 080031241 | VISION SERVICE PLAN | $722 | — | $722 | 8.21% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 891352958 | VISION SERVICE PLAN | $100 | — | $100 | 1.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE CENTER II SUITE 205 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD | $477 | — | $477 | 17.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 ATTN COMMISSIONS DEPT BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $591 | $5K | — |
| FREDERICK LEVIN3 | 11 MACARTHUR BLVD APT 805 HADDON TOWNSHIP, NJ 08108 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | — |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 500 TREAT AVE STE 200 SAN FRANCISCO, CA 941102068 | METROPOLITAN LIFE INSURANCE COMPANY | — | $1K | $1K | — |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $190 | $0 | $190 | — |
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). |
| 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 | 128 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $0 |
| Vision | VISION SERVICE PLAN | 118 | $9K |
| Life insurance | RELIANCE STANDARD | 166 | $21K |
| Other(2 contracts) | RELIANCE STANDARD | 185 | $46K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 185 | — |
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.