| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD SUITE 205 MINEOLA, NY 11501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATEES | $57K | $0 | $57K | 5.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATEES | $0 | $23K | $23K | 2.11% |
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD SUITE 205 MINEOLA, NY 11501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.60% |
| SUNI L. RIHAL3 | 259 MINEOLA BOULEVARD SUITE 205 MINEOLA, NY 11501 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 5.12% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER 11 SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 4.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 2.38% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $1K | $0 | $1K | 5.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | VISION SERVICE PLAN | $264 | $0 | $264 | 4.44% |
| BADGE AGENCY, INC.3 Filed as: BADGE AGENCY INC KNH ASSOCIATES | 500 NORTH BROADWAY SUITE 231 JERICHO, NY 11753 | SHELTERPOINT LIFE INSURANCE COMPANY | $673 | $0 | $673 | 18.56% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATEES | 75 | $1.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATEES | 75 | $1.1M |
| Vision | VISION SERVICE PLAN | 73 | $6K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $48K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 96 | $4K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 102 | $48K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATEES | 75 | $1.1M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $50K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 104 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.