| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN JAMES BENEFITS LTD3 | 9 LIDO BOULEVARD POINT LOOKOUT, NY 11569 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $45K | $0 | $45K | 7.40% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DRIVE CALEDONIA, MI 49316 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $15K | $0 | $15K | 2.55% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $12K | $12K | 2.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $12K | $12K | 1.96% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $2K | $3K | 9.42% |
| UNIFIED BUSINESS STRATEGIES LTD3 | PO BOX 40 POINT LOOKOUT, NY 11569 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 7.17% |
| ACRISURE LLC3 | PO BOX 40 POINT LOOKOUT, NY 11569 | UNITEDHEALTHCARE INSURANCE COMPANY | $983 | $0 | $983 | 2.83% |
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 | 296 | 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) | 296 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 320 | $606K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 308 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 320 | — |
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.