| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IFS INSURANCE GROUP3 | 259 MINEOLA BOULEVARD, SUITE 205 MINEOLA, NY 11501 | OXFORD HEALTH INSURANCE, INC. | $6K | — | $6K | 2.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $990 | $990 | 0.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 290 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10017 | AETNA LIFE INSURANCE COMPANY | — | $30 | $30 | 0.05% |
| IFS INSURANCE GROUP3 | 259 MINEOLA BOULEVARD, SUITE 205 MINEOLA, NY 11501 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | — | $4K | 11.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 470 PARK AVENUE SOUTH, 14TH FLOOR NEW YORK, NY 10016 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | — | $1K | 3.00% |
| IFS INSURANCE GROUP3 | 259 MINEOLA BOULEVARD, SUITE 205 MINEOLA, NY 11501 | HM LIFE INSURANCE COMPANY OF NEW YORK | $853 | — | $853 | 10.01% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 155 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 151 | $197K |
| Dental | AETNA LIFE INSURANCE COMPANY | 243 | $62K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 75 | $9K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $36K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 151 | $197K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 175 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.