| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID NEW JERSEY | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | HORIZON HEALTHCARE SERVICES, INC. | $69K | $19K | $88K | 4.39% |
| GREGORY WIESMORE3 | 46 FAWN HOLLOW LANE MULLICA HILL, NJ 08062 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.02% |
| DOUGLAS C. PETERSON3 | 598 RIVERWOOD AVENUE POINT PLEASANT, NJ 08742 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.97% |
| DAVID RISLEY3 | 2251 ROUTE 50 WOODBINE, NJ 08270 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.83% |
| JANE KULIKAUSKAS3 | 3022 NESCO ROAD HAMMONTON, NJ 08037 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $5K | $0 | $5K | 2.62% |
| EFREN A. INFANTE3 | 8 BELL CIRCLE MALVERN, PA 19355 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 1.82% |
| STRATEGIC VOLUNTARY BENEFIT SERVICE3 Filed as: STRATEGIC VOL. BEN. SERVICES, INC. | 8 PINE RIDGE DRIVE BRANCHBURG, NJ 08876 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $985 | $0 | $985 | 0.53% |
| MJ INSURANCE3 Filed as: VINCENT J. ROWAN AND VARIOUS AGENTS | 4447 EAST THOMPSON STREET PHILADELPHIA, PA 19137 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $448 | $0 | $448 | 0.24% |
| ALLEN ASSOCIATES3 | 630 SOUTH BREWSTER ROAD, BUILDING C VINELAND, NJ 08361 | VISION SERVICE PLAN | $2K | $0 | $2K | 7.00% |
| ALLEN ASSOCIATES3 | 630 SOUTH BREWSTER ROAD, BUILDING C VINELAND, NJ 08361 | USABLE LIFE | $3K | $0 | $3K | 9.94% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST NEWARK, NJ 07105 | USABLE LIFE | $0 | $2K | $2K | 5.69% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER TIFFANY BEN. GEN. AGY. LLC | 400 BERWYN PARK, SUITE 200 899 CASSATT ROAD BERWYN, PA 19312 | USABLE LIFE | $533 | $0 | $533 | 2.00% |
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 | 391 | 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) | 391 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 269 | $2.0M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 269 | $2.0M |
| Vision | VISION SERVICE PLAN | 239 | $30K |
| Life insurance(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 391 | $212K |
| Short-term disability | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 215 | $185K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 269 | $2.0M |
| Other(2 contracts, 2 carriers) | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 391 | $212K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 391 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.