| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY | 2333 N. FREDERICK PIKE WINCHESTER, VA 22603 | HORIZON HEALTHCARE SERVICES, INC. | $61K | — | $61K | 4.93% |
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY, INC. | 2333 N. FREDERICK PIKE WINCHESTER, VA 22603 | HORIZON HEALTHCARE SERVICES, INC. | $3K | — | $3K | 4.43% |
| PARTLOW INSURANCE AGENCY INC3 Filed as: PARTLOW INSURANCE AGENCY INC. | PO BOX 2900 WINCHESTER, VA 22604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 12.30% |
| LEVESQUE, BRAD J3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $337 | — | $337 | 1.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $137 | $137 | 0.74% |
| PARTLOW INSURANCE AGENCY INC3 | 2333 N. FREDERICK PIKE WINCHESTER, VA 22603 | VISION SERVICE PLAN | $882 | — | $882 | 6.44% |
| PARTLOW INSURANCE AGENCY INC3 | PO BOX 2900 WINCHESTER, VA 22604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $962 | — | $962 | 15.01% |
| LEVESQUE, BRAD J3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $160 | — | $160 | 2.50% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $53 | $53 | 0.83% |
| LEVESQUE, BRAD J3 | 118 VALLEY ROAD NEPTUNE, NJ 07753 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $447 | — | $447 | 22.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $112 | $112 | 5.51% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA BEHAVIORAL HEALTH, LLC PLAN ADMINISTRATOR | Plan Administrator Service code 14 | 151 FARMINGTON AVENUE RSAA HARTFORD, CT 06156 | $7K |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 88 | $1.2M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 80 | $68K |
| Vision | VISION SERVICE PLAN | 138 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $25K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $19K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 88 | $1.2M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 135 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.