| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK, INC. | 200 LIBERTY STREET NEW YORK, NY 10281 | OXFORD HEALTH INSURANCE, INC. | $48K | — | $48K | 2.04% |
| MARK STRATTON3 | 2221 SW DOVE CANYON WAY PALM CITY, FL 34990 | OXFORD HEALTH INSURANCE, INC. | $47K | — | $47K | 1.99% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD, STE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC. | — | $10K | $10K | 0.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC. | 669 RIVER DRIVE CENTER II, STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $140 | $4K | 5.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.99% |
| MARK STRATTON3 | 2104 SE RAYS WAY STUART, FL 34994 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | METROPOLITAN LIFE INSURANCE COMPANY | — | $504 | $504 | 0.62% |
| MARK STRATTON3 | 2104 SE RAYS WAY STUART, FL 34994 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $44 | — | $44 | 6.52% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC. | 669 RIVER DRIVE CENTER II, STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 07407 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $41 | $1 | $42 | 6.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $38 | — | $38 | 5.63% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | 1 WORLD FINANCIAL CENTER 200 LIBERTY ST, FL. 6 NEW YORK, NY 10281 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | — | $5 | $5 | 0.74% |
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 | 122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 0 | $2.4M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8 | $81K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 0 | $2.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.