| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $218K | — | $218K | 3.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $23K | — | $23K | 3.28% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET SUITE 2100 PHILADELPHIA, PA 19103 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.45% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 200 W. BALTIMORE AVE. MEDIA, PA 19063 | AETNA LIFE INSURANCE COMPANY | — | $58K | $58K | 37.33% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 E. SECOND STREET 1ST FLOOR MEDIA, PA 19063 | AETNA LIFE INSURANCE COMPANY | $20K | — | $20K | 12.70% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET SUITE 2100 PHILADELPHIA, PA 19103 | AETNA LIFE INSURANCE COMPANY | $1K | — | $1K | 0.67% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $2K | — | $2K | 4.72% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET SUITE 2100 PHILADELPHIA, PA 19103 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $3K | — | $3K | 9.00% |
| LESLEEN E. BOLT3 | 2609 NE 27TH TERRACE FORT LAUDERDALE, FL 33306 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.68% |
| NATHAN CHESAL3 | 1000 CORPORATE DRIVE 7TH FLOOR FORT LAUDERDALE, FL 33334 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 5.68% |
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 | 721 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 721 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 877 | $6.8M |
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $295K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $224K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $405K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 163 | $25K |
| Long-term disability | AETNA LIFE INSURANCE COMPANY | 640 | $157K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 258 | $712K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 721 | $380K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 877 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.