| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK GRUNDLEGER3 | 26 CABRIOLET LANE MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $68K | — | $68K | 3.99% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 0.50% |
| EMERSON REID LLC3 | 350 FIFTH AVE STE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO. | $8K | — | $8K | 0.49% |
| MARK GRUNDLEGER3 | 26 CABRIOLET LAN MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $42K | — | $42K | 3.87% |
| EMERSON REID LLC3 Filed as: EMERSON, REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $10K | — | $10K | 0.97% |
| MARK GRUNDLEGER3 | 200 BROADHOLLOW ROAD STE 207 MELVILLE, NY 117474806 | PRINCIPAL LIFE COMPANY | $5K | — | $5K | 5.11% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 074071361 | PRINCIPAL LIFE COMPANY | $3K | — | $3K | 3.33% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 17.00% |
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 | 376 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 265 | $2.8M |
| Dental | PRINCIPAL LIFE COMPANY | 376 | $93K |
| Vision | SHELTERPOINT LIFE INSURANCE COMPANY | 255 | $8K |
| Life insurance | PRINCIPAL LIFE COMPANY | 376 | $93K |
| Long-term disability | PRINCIPAL LIFE COMPANY | 376 | $93K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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.