| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BROKERAGE CORP | 1983 MARCUS AVENUE SUITE #C130 LAKE SUCCESS, NY 11042 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | — | $3K | 9.39% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $701 | $2K | 9.15% |
| EVAN SCOTT PORTNOY3 | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.78% |
| EVAN SCOTT PORTNOY3 | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 12.39% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $599 | $405 | $1K | 4.37% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $650 | $2K | 9.72% |
| EVAN SCOTT PORTNOY3 | 36 FARMINTON LANE MELVILLE, NY 11747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.33% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $925 | $638 | $2K | 7.36% |
| EVAN SCOTT PORTNOY3 | 36 FARMINTON LANE MELVILLE, NY 11747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.64% |
| EVAN SCOTT PORTNOY3 | 36 FARMINGTON LANE MELVILLE, NY 11747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 8.18% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $361 | $356 | $717 | 3.61% |
| EVAN SCOTT PORTNOY3 | 36 FARMINGTON LANE MELVILLE, NY 11747 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 12.25% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $544 | $357 | $901 | 4.56% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $211 | $211 | 2.94% |
| EMERSON REID LLC3 | 350 5TH AVENUE SUITE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $120 | $120 | 1.69% |
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 | 238 | 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) | 238 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NORTH CAROLINA | 362 | $109K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 326 | $23K |
| Life insurance(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $61K |
| Short-term disability(3 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 188 | $72K |
| Long-term disability(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 59 | $41K |
| Stop-loss / reinsurancereinsurance | BENEFIT ADMINISTRATIVE SYSTEMS, LLC. | 239 | $299K |
| Other(4 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 213 | $61K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 362 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.