| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 400 POST AVENUE WESTBURY, NY 11590 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $17K | $17K | 8.37% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 02110 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $5K | $0 | $5K | 2.32% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 8.81% |
| EMERSON REID LLC3 | 40669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 4.17% |
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 | 1,756 | 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) | 1,756 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 1,756 | $199K |
| Long-term disability(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,756 | $52K |
| Other(2 contracts, 2 carriers) | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 1,756 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,756 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.