| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA SUITE 200 JERICHO, NY 11753 | EMBLEMHEALTH | $42K | $0 | $42K | 1.98% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | BLUE CROSS OF CALIFORNIA | $5K | $0 | $5K | 0.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1000 EAST WARRENVILLE ROAD SUITE 230 NAPERVILLE, IL 60563 | BLUE CROSS OF CALIFORNIA | $4K | $0 | $4K | 0.92% |
| THEODORE TURNASELLA4 | 81 EDGEWOOD ROAD WEST ISLIP, NY 11795 | BLUE CROSS OF CALIFORNIA | $1K | $0 | $1K | 0.25% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $12K | 6.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 147TH FLOOR ITASCA, IL 60143 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 0.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 5.98% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 470 PARK AVENUE SOUTH, 6TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $0 | $4K | $4K | 5.51% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLACE, SUITE 200 JERICHO, NY 11753 | HARTFORD LIFE AND ACCIDENT | $2K | $0 | $2K | 2.96% |
| ACRISURE LLC4 Filed as: CHERNOFF DIAMOND | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | VISION SERVICE PLAN | $738 | $0 | $738 | 3.81% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $288 | $0 | $288 | 1.49% |
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 | 423 | 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) | 423 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 275 | $2.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 251 | $166K |
| Vision | VISION SERVICE PLAN | 115 | $19K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 423 | $75K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 423 | $75K |
| Prescription drug(2 contracts, 2 carriers) | EMBLEMHEALTH | 275 | $2.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 423 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.