| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $61K | $0 | $61K | 2.86% |
| BENEFICIAL INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 2100 PHILADELPHIA, PA 19103 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 9.24% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $33 | $33 | 0.02% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $12 | $12 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 1818 MARKET STREET, SUITE 2100 PHILADELPHIA, PA 19103 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $4K | $7K | 12.40% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $211 | $0 | $211 | 0.39% |
| USI INSURANCE SERVICES LLC3 | PO BOX 61007 VIRGINIA BEACH, VA 23466 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION. | $3K | $493 | $3K | 8.88% |
| USI INSURANCE SERVICES LLC3 | 521 PLYMOUTH ROAD, SUITE 112 PLYMOUTH MEETING, PA 19462 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION. | $989 | $0 | $989 | 2.84% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 140 | $2.1M |
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 227 | $2.2M |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 140 | $2.1M |
| Life insurance | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $141K |
| Long-term disability | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $141K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 140 | $2.1M |
| Other | PRUDENTIAL LIFE INSURANCE COMPANY OF AMERICA | 156 | $141K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.