| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC | $67K | $0 | $67K | 4.49% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING LLC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $3K | $8K | 7.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $658 | $7K | 5.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $5K | $6K | $11K | 22.26% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $4K | $7K | 19.39% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $438 | $529 | $967 | 2.85% |
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 | 230 | 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) | 230 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | OXFORD HEALTH INSURANCE, INC | 260 | $1.5M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $124K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 268 | $118K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 181 | $84K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 181 | $34K |
| Prescription drug(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 260 | $1.5M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 181 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.