| 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. | $55K | — | $55K | 2.72% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 ATTN COMMISSIONS BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $903 | $5K | 5.98% |
| FREDERICK LEVIN3 | 11 MACARTHUR BLVD APT 805 HADDON TOWNSHIP, NJ 08108 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.64% |
| ENROLLEASE3 Filed as: ENROLLEASE INC | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 1.99% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $182 | $78 | $260 | 0.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II ATTN COMMISSIONS SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD | $7K | $0 | $7K | 18.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 350 FIFTH AVE NEW YORK, NY 10118 | RELIANCE STANDARD | $0 | $409 | $409 | 1.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II ATTN COMMISSIONS SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD | $3K | $0 | $3K | 18.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 350 FIFTH AVE NEW YORK, NY 10118 | RELIANCE STANDARD | $0 | $200 | $200 | 1.08% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 ROUTE 70E CHERRY HILL, NJ 08003 | VISION SERVICE PLAN | $712 | $0 | $712 | 7.69% |
| ENROLLEASE3 Filed as: ENROLLEASE, INC DBA EASECENTRAL | 1980 FESTIVAL PLAZA DR STE 810 LAS VEGAS, NV 89135 | VISION SERVICE PLAN | $0 | $39 | $39 | 0.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II ATTN COMMISSIONS SUITE 305 ELMWOOD PARK, NJ 07407 | RELIANCE STANDARD | $419 | $0 | $419 | 18.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 350 FIFTH AVE NEW YORK, NY 10118 | RELIANCE STANDARD | $0 | $27 | $27 | 1.16% |
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 | 186 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 142 | $2.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 323 | $91K |
| Vision | VISION SERVICE PLAN | 136 | $9K |
| Life insurance | RELIANCE STANDARD | 186 | $19K |
| Other(3 contracts) | RELIANCE STANDARD | 186 | $57K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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.