| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALTH WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $91K | $19K | $109K | 5.85% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $11K | $2K | $13K | 5.85% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $805 | $5K | 6.60% |
| PHILIP FABRIZIO3 | KINGSBRIDGE FINANCIAL 1455 BROAD STREET STE 300 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.94% |
| DAVID GROSSMAN3 | KINGSBRIDGE FINANCIAL 1455 BROAD STREET STE 300 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| KRISTOPHER GROSSMAN3 | KINGSBRIDGE FINANCIAL 1455 BROAD STREET STE 300 BLOOMFIELD, NJ 07003 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W SUITE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $4K | $5K | $9K | 22.54% |
| 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 | 22.44% |
| 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 | 22.45% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 91 | $1.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $73K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 279 | $73K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $41K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $30K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $32K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 49 | $224K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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.