| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN JAMES BENEFITS LTD3 | 80 LIDO BLVD PO BOX 40 POINT LOOKOUT, NY 11569 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $102K | $41K | $143K | 7.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19K | $8K | $27K | 1.29% |
| JOHN JAMES BENEFITS LTD3 | PO BOX 40 POINT LOOKOUT, NY 11569 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 5.81% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 2.98% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 22.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVENUE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $607 | $607 | 2.08% |
| JOHN JAMES BENEFITS LTD3 | 80 LIDO BLVD POINT LOOKOUT, NY 11569 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $7K | — | $7K | 1438.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC | $2K | — | $2K | 353.95% |
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 | 347 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 330 | $2.1M |
| Dental | AETNA LIFE INSURANCE CO. | 387 | $182K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 330 | $2.1M |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 333 | $29K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 333 | $29K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 330 | $2.0M |
| Other | HARTFORD LIFE AND ACCIDENT | 333 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 387 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.