| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| VANGUARD II INC3 Filed as: VANGUARD II, INC. | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | EMBLEM HEALTH | $43K | $0 | $43K | 4.09% |
| VANGUARD II INC3 Filed as: VANGUARD II, INC. | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 6.66% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | — | $2K | $2K | 5.44% |
| VANGUARD II INC3 Filed as: VANGUARD II, INC. | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $703 | $0 | $703 | 4.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, NJ 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $356 | $0 | $356 | 2.49% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $302 | $302 | 2.11% |
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 | 79 | 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) | 79 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 106 | $1.0M |
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY | 103 | $44K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $14K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $14K |
| Prescription drug | EMBLEM HEALTH | 106 | $1.0M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.