| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $40K | $40K | 7.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, PA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 7.26% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 4.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 8.67% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $0 | $2K | 5.05% |
| KENNETH C MEIER CORP3 Filed as: KENNETH MEIER CORP & OTHER AGENTS | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $937 | $0 | $937 | 3.81% |
| TAMIKA M OXFORD3 Filed as: TAMIKA M. OXFORD | 186 DELAWARE AVENUE FREEPORT, NY 11520 | AFLAC | $645 | $0 | $645 | 2.62% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | AFLAC | $346 | $0 | $346 | 1.41% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $251 | $0 | $251 | 1.02% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GARDEN FARMINGDALE, NY 11735 | AFLAC | $191 | $0 | $191 | 0.78% |
| AVI LERNER3 | 13 NIRVANA AVENUE GREAT NECK, NY 11023 | AFLAC | $188 | $0 | $188 | 0.76% |
| ASSUREDPARTNERS3 Filed as: ALLIANCE BENEIFT PROGRAMS INC | PO BOX 1011 WESTBURY, NY 11590 | AFLAC | $146 | $0 | $146 | 0.59% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | $186 | $0 | $186 | 5.00% |
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 | 134 | 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) | 134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $519K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 77 | $42K |
| Vision | AMERITAS LIFE INSURANCE CORPORATION OF NEW YORK | 99 | $4K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 134 | $34K |
| Short-term disability | AFLAC | 22 | $25K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 134 | $34K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $519K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 134 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.