| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOTALING GROUP3 Filed as: HOTALING GROUP | 105 MAXCESS ROAD, SUITE 218S MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $115K | $119K | 3.77% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $32K | $32K | 1.02% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28K | $28K | 0.89% |
| THE HOTALING GROUP3 Filed as: HOTALING GROUP | 105 MAXCESS ROAD, SUITE 218S MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $0 | $8K | 9.96% |
| EMERSON REID LLC3 | ONE INTERNATIONAL PLAZA, SUITE 400 PHILADELPHIA, PA 19113 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 7.89% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $688 | $0 | $688 | 2.74% |
| THE HOTALING GROUP3 Filed as: HOTALING GROUP | 15 DAVIS AVENUE POUGHKEEPSIE, NY 12603 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $170 | $0 | $170 | 0.68% |
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 | 386 | 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) | 386 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $3.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $3.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $3.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 386 | $81K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 386 | $81K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 386 | $106K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 369 | $3.2M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 386 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.