| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN JAMES BENEFITS LTD3 | 80 LIDO BLVD PO BOX 40 POINT LOOKOUT, NY 11569 | AETNA LIFE INSURANCE CO. | $140K | — | $140K | 3.64% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 0.91% |
| JOHN JAMES BENEFITS LTD3 | 80 LIDO BLVD POINT LOOKOUT, NY 11569 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $20K | — | $20K | 10.72% |
| JOHN CAMIOLO3 | PO BOX 597 POINT LOOKOUT, NY 22589 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $20K | — | $20K | 10.72% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | EMPIRE HEALTHCHOICE ASSURANCE INC. | — | $10K | $10K | 5.12% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $7K | — | $7K | 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 | — | $612 | $612 | 1.94% |
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 | 402 | 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) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 390 | $3.9M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC. | 387 | $188K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 352 | $32K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 352 | $32K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 390 | $3.9M |
| Other | HARTFORD LIFE AND ACCIDENT | 352 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 390 | — |
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.