| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ARTHUR HALL3 | UNKNOWN AMITYVILLE, NY 11701 | EMBLEMHEALTH | $67K | $0 | $67K | 3.85% |
| INTEGRATED BROKERAGE SERVICES, INC.3 Filed as: INTEGRATED BROKERAGE SERVICES INC | 33 SUNNYSIDE BOULEVARD, SUITE 25 PLAINVIEW, NY 11803 | OXFORD HEALTH INSURANCE, INC. | $6K | $0 | $6K | 2.45% |
| IFS INSURANCE GROUP3 | 259 MINEOLA BOULEVARD, SUITE 205 MINEOLA, NY 11501 | OXFORD HEALTH INSURANCE, INC. | $2K | $0 | $2K | 0.79% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | $0 | $1K | $1K | 0.56% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | $0 | $450 | $450 | 0.20% |
| DOROTHY T HOFFMAN3 Filed as: DOROTHY T. HOFFMAN | 255 SOUTH 13TH STREET, SUITE 1 LINDENHURST, NY 11757 | AFLAC | $5K | $88 | $6K | 6.43% |
| KENNETH C MEIER CORP3 Filed as: KENNETH MEIER CORP AND OTHER AGENTS | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $2K | $8 | $2K | 2.51% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $2K | $25 | $2K | 2.16% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONOIR | 255 SOUTH 13TH STREET, SUITE 1 LINDENHURST, NY 11757 | AFLAC | $1K | $18 | $2K | 1.75% |
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD, SUITE 205 MINEOLA, NY 11501 | AFLAC | $1K | $0 | $1K | 1.68% |
| SUNIL RIHAL3 | 1111 MARCUS DRIVE, SUITE 100 NEW HYDE PARK, NY 11042 | AFLAC | $1K | $0 | $1K | 1.37% |
| MISSIMO AND ASSOCIATES INC.3 | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $782 | $0 | $782 | 0.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY, SUITE 320 BLUEBELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | AETNA LIFE INSURANCE COMPANY | $195 | $0 | $195 | 0.37% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | AETNA LIFE INSURANCE COMPANY | $0 | $66 | $66 | 0.12% |
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD, SUITE 205 MINEOLA, NY 11501 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 10.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 403 WOODBURY, NY 10016 | PRINCIPAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 2.78% |
| INTEGRATED BROKERAGE SERVICES, INC.3 Filed as: INTEGRATED BROKERAGE SERVICES INC | 303 SUNNYSIDE BOULEVARD, UNIT 25 PLAINVIEW, NY 11803 | PRINCIPAL LIFE INSURANCE COMPANY | $296 | $0 | $296 | 0.74% |
| FNA INSURANCE SERVICES INC3 | 1000 WODDBURY ROAD, SUITE 403 WOODBURY, NY 11797 | PRINCIPAL LIFE INSURANCE COMPANY | $116 | $0 | $116 | 0.29% |
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD, SUITE 205 MINEOLA, NY 11501 | HM LIFE INSURANCE COMPANY OF NEW YORK | $697 | $0 | $697 | 9.99% |
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 | 148 | 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) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 239 | $2.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 195 | $53K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 65 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 140 | $40K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 239 | $2.0M |
| Other(2 contracts, 2 carriers) | AFLAC | 140 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.