| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $24K | $0 | $24K | 4.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER 11 SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | — | $9K | $9K | 1.60% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER 11 SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $2K | $4K | 9.98% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 8.11% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.01% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 16.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $414 | — | $414 | 5.04% |
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 | 237 | 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) | 237 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 86 | $586K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $38K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 144 | $38K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $8K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 86 | $586K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 237 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.