| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $39K | — | $39K | 2.04% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENEFIT STRATEGIES | 1800 ROUTE 34 WALL, NJ 07719 | HORIZON HEALTHCARE SERVICES, INC. | $28K | — | $28K | 1.49% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ | 1305 WALT WHITMAN RD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $9K | — | $9K | 2.28% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENEFIT STRATEGIES | 1800 ROUTE 34 WALL, NJ 07719 | HORIZON HEALTHCARE SERVICES, INC. | $5K | — | $5K | 1.25% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 2.62% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 RT. 34 SUITE 201 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST INC. | PO BOX 61187 VIRGINIA BEACH, VA 23466 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.10% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $4K | — | $4K | 15.62% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 Filed as: MID ATLANTIC BENE STRATS, LLC | 1800 ROUTE 34 BLDG2 STE201 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $273 | — | $273 | 0.98% |
| MID ATLANTIC BENEFIT STRATEGIES LLC3 | 1800 STATE ROUTE 34 STE 201 WALL TOWNSHIP, NJ 077199145 | VISION SERVICE PLAN | $575 | — | $575 | 3.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 61187 VIRGINIA BEACH, VA 234661187 | VISION SERVICE PLAN | $459 | — | $459 | 2.44% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | 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. | 180 | $1.9M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 226 | $100K |
| Vision | VISION SERVICE PLAN | 161 | $19K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 266 | $28K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 180 | $416K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 266 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.