| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | PO BOX 333 WESTBURY, NY 11590 | EMPIRE HEALTHCHOICE ASSURANCE INC | $32K | $0 | $32K | 3.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 400 POST AVE WESTBURY, NY 11590 | EMPIRE HEALTHCHOICE ASSURANCE INC | $0 | $12K | $12K | 1.09% |
| MY BENEFIT ADVISOR LLC3 | — | EMBLEMHEALTH | $3K | $0 | $3K | 2.91% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $3K | $8K | 18.14% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $2K | $6K | 20.91% |
| JULIE ANN KLIMCHAK3 | 7 VANNINA PLACE HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.21% |
| JOHN R KLIMCHAK3 | 7 VANNINA PL HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.15% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $446 | $257 | $703 | 3.04% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | $2 | $28 | 0.12% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $1K | $4K | 20.78% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $1K | $860 | $2K | 15.80% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $694 | $566 | $1K | 18.15% |
| JULIE ANN KLIMCHAK3 | 7 VANNINA PL HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $467 | $0 | $467 | 22.43% |
| JOHN R KLIMCHAK3 | 7 VANNINA PL HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $452 | $0 | $452 | 21.71% |
| JNAZ INC3 | 145 MIDDLEVILLE RD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $76 | $75 | $151 | 7.25% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $97 | $169 | $266 | 15.77% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $116 | $94 | $210 | 18.09% |
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 | 166 | 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) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 144 | $1.2M |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC | 144 | $1.1M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 144 | $1.1M |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 108 | $23K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 118 | $18K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 63 | $30K |
| Other(4 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 108 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 144 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.