| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE FLOOR 3 NEW YORK, NY 10177 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $0 | $6K | 10.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $418 | $2K | 11.42% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 11797 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $158 | $0 | $158 | 0.86% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE 602 NEW YORK, NY 10016 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $79 | $0 | $79 | 0.43% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 FIN PLZ 755 MAIN STREET 2F HARTFORD, CT 06103 | FEDERAL INSURANCE COMPANY | $0 | $450 | $450 | 15.00% |
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 | 132 | 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) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 235 | $147K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 136 | $10K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $18K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 137 | $55K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 137 | $55K |
| Other(2 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 135 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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."
No prospect flags tripped on this filing.