| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK EDWARDS3 Filed as: MARK EDWARDS FBR GROUP LLC | 103 EISENHOWER PARKWAY ROSELAND, NJ 07068 | EMPIRE HEALTHCHOICE ASSURANCE INC | $36K | $0 | $36K | 3.12% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 N PALM AVE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE INC | $0 | $15K | $15K | 1.28% |
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 STE 320 BLUE BELL, PA 19422 | EMPIRE HEALTHCHOICE ASSURANCE INC | $15 | $0 | $15 | 0.00% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $4K | $10K | 27.33% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $3K | $7K | 27.77% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $2K | $2K | $4K | 22.61% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $668 | $831 | $1K | 22.46% |
| JULIE ANN KLIMCHAK3 | 7 VANNINA PLACE HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $127 | $0 | $127 | 3.02% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.31% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | $0 | $11 | 0.26% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $163 | $223 | $386 | 23.71% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $111 | $139 | $250 | 22.48% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | 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) | EMPIRE HEALTHCHOICE ASSURANCE INC | 115 | $1.2M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 115 | $1.2M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 115 | $1.2M |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 98 | $25K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 107 | $26K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 62 | $36K |
| Other(3 contracts, 2 carriers) | THE PAUL REVERE LIFE INSURANCE COMPANY | 98 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.