| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: LOCKTON COMPANIES LLC 015399 | 1185 AVENUE OF THE AMERICAS STE. 2010 NEW YORK, NY 10036 | HORIZON HEALTHCARE SERVICES, INC. | $767 | — | $767 | 4.28% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ASSURED | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | HORIZON HEALTHCARE SERVICES, INC. | $547 | — | $547 | 3.06% |
| DOMINIC A MORRONE3 Filed as: DOMINIC MORONE | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $951 | — | $951 | 6.78% |
| 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 | $951 | — | $951 | 6.78% |
| LOCKTON COMPANIES, LLC3 | C/O BANK OF AMERICA PO BOX 417484 BOSTON, MA 02241 | VISION SERVICE PLAN (VSP) | $906 | — | $906 | 6.52% |
| ADVANTAGE BENEFIT CONCEPTS3 Filed as: ADVANTAGE BENEFIT CONCEPTS, INC. | WASHINGTON PROFESSIONAL CAMPUS 900 ROUTE 168, SUITE A-1 TURNERSVILLE, NJ 08012 | VISION SERVICE PLAN (VSP) | $483 | — | $483 | 3.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| STAR MARKETING AND ADMINISTRATION EIN 36-4104766 NONE | Other services; Claims processing; Plan Administrator Service code 12 | — | $95K |
| MULTIBENEFIT SERVICES - PHILLY EIN 36-4104766 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $20K |
| LOCKTON COMPANIES LLC EIN 20-3354970 NONE | Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $16K |
| AETNA ASA EIN 06-6033492 NONE | Other services; Claims processing Service code 12 | — | $16K |
| WORLD INSURANCE ASSOCIATES LLC EIN 45-3601219 NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | — | $12K |
| CLEARHEALTH STRATEGIES NONE | Claims processing; Other services Service code 12 | 9990 COCONUT ROAD SUITE 301 BONITA SPRINGS, FL 34135 | $6K |
| CORESOURCE EIN 35-1846036 NONE | Claims processing Service code 12 | — | $5K |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 118 | $18K |
| Vision | VISION SERVICE PLAN (VSP) | 124 | $14K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 252 | $14K |
| Other | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 252 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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.