| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HOWARD SUSSNER4 Filed as: HOWARD A SUSSNER | 747 CHESTNUT RIDGE RD CHESTNUT RIDGE, NY 10977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $39K | — | $39K | 15.69% |
| EMERSON REID LLC4 Filed as: EMERSON REID & COMPANY, INC | 1305 WALT WHITMAN RD, SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 6.28% |
| HOWARD SUSSNER | 747 CHESTNUT RIDGE RD. CHESTNUT RIDGE, NY 10977 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 9.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CTR II, STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.20% |
| HOWARD SUSSNER3 Filed as: HOWARD A SUSSNER | 747 CHESTNUT RIDGE ROAD CHESTNUT RIDGE, NY 10977 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| HOWARD SUSSNER | 747 CHESTNUT RIGE RD, 3RD FLOOR CHESTNUT RIDGE, NY 10977 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $691 | — | $691 | 9.99% |
| EMERSON REID LLC Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CNTR II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $277 | $277 | 4.01% |
| HOWARD SUSSNER | 747 CHESTNUT RIDGE RD, 3RD FLOOR CHESTNUT RIDGE, NY 10977 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $644 | — | $644 | 10.01% |
| EMERSON REID LLC Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CNTR, STE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $257 | $257 | 3.99% |
| HOWARD SUSSNER | 747 CHESTNUT RIDGE RD, 3RD FLOOR CHESTNUT RIDGE, NY 10977 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $620 | — | $620 | 10.01% |
| EMERSON REID LLC Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CNTR II, STE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $248 | $248 | 4.00% |
| HOWARD SUSSNER | 747 CHESTNUT RIDGE RD., 3RD FLOOR CHESTNUT RIDGE, NY 10977 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $59 | — | $59 | 10.09% |
| EMERSON REID LLC Filed as: EMERSON REID & COMPANY, INC. | 669 RIVER DR CNTR II, STE 305 ELMWOOD PARK, NJ 07407 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $23 | $23 | 3.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Named fiduciary; Direct payment from the plan; Participant communication; Other services; Float revenue; Contract Administrator; Non-monetary compensation; Claims processing Service code 12 | 1 HARTFORD WAY HARTFORD, CT 06152 | $7K |
| CIGNA GROUP INSURANCE EIN 23-1503749 | Other services; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator Service code 12 | PO BOX 20643 LEHIGH VALLEY, PA 18002 | $0 |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $249K |
| Dental(6 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $361K |
| Vision(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $341K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 236 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.