| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE INC | $27K | $0 | $27K | 2.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 N PALM AVE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE INC | $0 | $18K | $18K | 1.44% |
| MARK EDWARDS3 Filed as: MARK EDWARDS FBR GROUP LLC | 103 EISENHOWER PARKWAY ROSELAND, NJ 07068 | EMPIRE HEALTHCHOICE ASSURANCE INC | $10K | $0 | $10K | 0.81% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $4K | $9K | 25.58% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $3K | $7K | 24.99% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $2K | $2K | $4K | 20.67% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $656 | $791 | $1K | 22.05% |
| JULIE ANN KLIMCHAK3 | 7 VANNINA PLACE HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $218 | $0 | $218 | 4.40% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.38% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | $0 | $15 | 0.30% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $188 | $205 | $393 | 20.94% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $109 | $133 | $242 | 22.12% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 159 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 306 | $1.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 306 | $1.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 306 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 95 | $25K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 106 | $27K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 63 | $35K |
| Other(3 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 95 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.