| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN JAMES BENEFITS LTD3 Filed as: JOHN JAMES BENEFITS LTS | 80 LIDO BOULEVARD POINT LOOKOUT, NY 11569 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $127K | $0 | $127K | 6.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, INC. | 555 PLEASANTVILLE ROAD BRIARCLIFF MANOR, NY 10510 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | -$13K | $0 | -$13K | -0.69% |
| JOHN JAMES BENEFITS LTD3 | 42 LIDO BOULEVARD POINT LOOKOUT, NY 11569 | MEDICAL MUTUAL OF OHIO | $66K | $0 | $66K | 3.99% |
| JOHN JAMES BENEFITS LTD3 | PO BOX 40 POINT LOOKOUT, NY 11569 | EMBLEMHEALTH SERVICES COMPANY, LLC | $29K | $0 | $29K | 3.85% |
| JOHN JAMES BENEFITS LTD3 | PO BOX 40 POINT LOOKOUT, NY 11569 | VISION SERVICE PLAN | $6K | $0 | $6K | 1.37% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $8K | $22K | $29K | 27.10% |
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 | 3,277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 450 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,727 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 136 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,508 | $103K |
| Vision | VISION SERVICE PLAN | 1,890 | $418K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 3,277 | $1.8M |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 3,105 | $108K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 3,105 | $108K |
| Prescription drug(2 contracts, 2 carriers) | MEDICAL MUTUAL OF OHIO | 136 | $2.4M |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 3,277 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,508 | — |
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.