| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFITS ADVISORS LLC3 Filed as: AP BENEFITS ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC | $1K | — | $1K | 5.82% |
| ADVANTAGE BENEFIT CONCEPTS3 Filed as: ADVANTAGE BENEFITS CONCEPTS, INC. | WASHINGTON PROFESSIONAL CAMPUS 900 ROUTE 168, SUITE A-1 TURNERSVILLE, NJ 08012 | VISION SERVICE PLAN (VSP) | $1K | — | $1K | 7.00% |
| DOMINIC A MORRONE3 Filed as: DOMINIC MORONE | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 13.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $1 | — | $1 | 0.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MULTIBENEFIT SERVICES - PHILLY EIN 36-4104766 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $146K |
| CLEARHEALTH STRATEGIES NONE | Claims processing; Other services Service code 12 | 9990 COCONUT ROAD SUITE 301 BONITA SPRINGS, FL 34135 | $43K |
| WORLD INSURANCE ASSOCIATES LLC EIN 45-3601219 | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $19K |
| AETNA EIN 06-6033492 | Claims processing; Other services Service code 12 | — | $17K |
| ADVANTAGE BENEFITS CONCEPTS INC. EIN 22-3210991 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $15K |
| CORESOURCE EIN 35-1846036 NONE | Claims processing Service code 12 | — | $5K |
| STAR MARKETING AND ADMINSTRATION EIN 36-4104766 NONE | Claims processing; Other services; Plan Administrator Service code 12 | — | -$51K |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC | 123 | $18K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 244 | $13K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 244 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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.