| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $89K | $18K | $108K | 5.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $12K | $2K | $14K | 5.85% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $903 | $5K | 5.91% |
| PHILIP FABRIZIO3 | 1115 PROMENADE BLVD FAIR LAWN, NJ 07410 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.65% |
| DAVID GROSSMAN3 | KINGSBRIDGE FINANCIAL 33 CLINTON RD STE 205 WEST CALDWELL, NJ 07006 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| KRISTOPHER GROSSMAN3 | KINGSBRIDGE FINANCIAL 33 CLINTON RD STE 205 WEST CALDWELL, NJ 07006 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.60% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $10K | 22.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $8K | 22.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 22.18% |
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 | 116 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 100 | $1.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $92K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 302 | $92K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $43K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $34K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 58 | $241K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 116 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
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.