| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAY PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $126K | $0 | $126K | 3.96% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 6.86% |
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $7K | $8K | $15K | 19.56% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $596 | $0 | $596 | 0.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $5K | $10K | 19.56% |
| STERLING AND STERLING, INC.3 | PO BOX 9017 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $400 | $0 | $400 | 0.76% |
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $770 | $0 | $770 | 4.61% |
| ERC OF NEW YORK3 Filed as: ERC OF NEW YORK, INC. | UNKNOWN WOODBURY, NY 11797 | UNITED CONCORDIA INSURANCE COMPANY | $351 | $0 | $351 | 5.88% |
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 | 240 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC | 383 | $3.3M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 194 | $164K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 142 | $17K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 287 | $79K |
| Short-term disability | THE UNITED STATES LIFE INSURANCE COMPANY IN THE CITY OF NEW YORK | 0 | $0 |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 287 | $53K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 383 | $3.3M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 287 | $53K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 383 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.