| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 01982 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $87K | $1K | $88K | 3.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 5200 NORTH PALM AVENUE, SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $35K | $35K | 1.58% |
| RISK STRATEGIES COMPANY3 | 420 LEXINGTON AVENUE, SUITE 2700 NEW YORK, NY 10170 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $4K | $0 | $4K | 14.14% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET BOSTON, MA 01982 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $0 | $436 | $436 | 1.66% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET, 2ND FLOOR BOSTON, MA 01982 | VISION SERVICE PLAN | $966 | $0 | $966 | 5.50% |
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 | 159 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 36 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 244 | $2.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 244 | $2.2M |
| Vision | VISION SERVICE PLAN | 129 | $18K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 138 | $26K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 138 | $26K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 244 | $2.2M |
| Other(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 300 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.