| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK EDWARDS3 | 15 MARION STREET EAST BRUNSWICK, NJ 08816 | EMPIRE HEALTHCHOICE ASSURANCE INC | $22K | $0 | $22K | 1.65% |
| RUBICON BENEFITS LLC3 | 718 WALT WHITMAN RD #1568 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE INC | $22K | $0 | $22K | 1.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 N PALM AVE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE INC | $0 | $9K | $9K | 0.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FIN SVCS | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE INC | $0 | $9K | $9K | 0.67% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | RUBICON BENEFITS MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 7.96% |
| FBR GROUP LLC3 | FBR GROUP LLC ROSELAND, NJ 07068 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 4.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE - BENEFITMALL | CENTERSTONE INSURANCE DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 3.39% |
| EMERSON REID LLC3 | EMERSON REID LLC BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $0 | $2K | $2K | 1.61% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $4K | $7K | 37.23% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $3K | $4K | 32.42% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $804 | $2K | $2K | 30.84% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $343 | $670 | $1K | 29.52% |
| JULIE ANN KLIMCHAK3 | 7 VANNINA PLACE HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $135 | $0 | $135 | 4.30% |
| JNAZ INC3 | 145 MIDDLEVILLE ROAD NORTHPORT, NY 11768 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | $0 | $12 | 0.38% |
| CATHERINE MONTELEONE3 | 7 NORMANDY COURT COMMACK, NY 11725 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.10% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $78 | $161 | $239 | 30.52% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $57 | $112 | $169 | 29.55% |
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 | 175 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE INC | 139 | $1.3M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE INC | 139 | $1.3M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC | 139 | $1.3M |
| Life insurance(4 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 177 | $111K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 177 | $112K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 177 | $116K |
| Other(4 contracts, 3 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 177 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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.