| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $116K | $0 | $116K | 2.80% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 21 PHILADELPHIA, PA 19103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 8.82% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 21 PHILADELPHIA, PA 19103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 9.48% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $54 | $54 | 0.08% |
| USI INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 2100 PHILADELPHIA, PA 19103 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.25% |
| INDEPENDENCE PLANNING GROUP3 Filed as: INDEPENDENCE PLANNING GROUP, LLC | 1767 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23 | $0 | $23 | 0.04% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 21 PHILADELPHIA, PA 19103 | SAFEGUARD HEALTH PLANS, INCL. | $2K | $15 | $2K | 6.07% |
| USI INSURANCE SERVICES LLC3 | 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 | SAFEGUARD HEALTH PLANS, INCL. | $2K | $0 | $2K | 4.03% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INCL. | $0 | $193 | $193 | 0.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON INSURANCE COMPANY | $1K | $0 | $1K | 9.99% |
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 | 276 | 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) | 276 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 196 | $4.1M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 276 | $4.2M |
| Vision(2 contracts, 2 carriers) | SAFEGUARD HEALTH PLANS, INCL. | 276 | $52K |
| Life insurance(3 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 276 | $184K |
| Long-term disability(2 contracts) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 149 | $145K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 196 | $4.1M |
| Other(3 contracts, 2 carriers) | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 276 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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."
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.