| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRAD LEVESQUE3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | OXFORD HEALTH INSURANCE, INC. | $22K | — | $22K | 1.96% |
| PAUL RICCIO3 | 87 CANDLEWOOD ROAD WILLIAMSTOWN, NJ 08094 | OXFORD HEALTH INSURANCE, INC. | $22K | — | $22K | 1.96% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY, LTD. | 370 LEXINGTON AVE., SUITE 703 NEW YORK, NY 10017 | OXFORD HEALTH INSURANCE, INC. | — | $7K | $7K | 0.59% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | — | $6K | $6K | 0.55% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 15 MAIN STREET HOLMDEL, NJ 07733 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 4.50% |
| BRAD LEVESQUE3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 11.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 401 BROADWAY, SUITE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.57% |
| BRAD LEVESQUE3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.30% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 401 BROADWAY, SUITE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $806 | $806 | 4.58% |
| BRAD LEVESQUE3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 401 BROADWAY, SUITE 912 NEW YORK, NY 10013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $569 | $569 | 4.58% |
| BRAD LEVESQUE3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | VISION SERVICE PLAN | $385 | — | $385 | 3.65% |
| PAUL RICCIO3 | 81 CANDLEWOOD ROAD WILLIAMSTOWN, NJ 08094 | VISION SERVICE PLAN | $385 | — | $385 | 3.65% |
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 | 123 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 160 | $1.1M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 78 | $58K |
| Vision | VISION SERVICE PLAN | 117 | $11K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $45K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $33K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 123 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.