| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD SUITE 205 MINEOLA, NY 11501 | OXFORD HEALTH INSURANCE | $38K | $2K | $40K | 4.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE | $0 | $12K | $12K | 1.26% |
| SUNIL RIHAL3 | 1 SANDY COURT GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 10.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD MELVILLE, NJ 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 4.57% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | EMPIRE STATE BUILDING 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10016 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $1K | $0 | $1K | 5.57% |
| BADGE AGENCY, INC.3 | 1000 WOODBURY ROAD, SUITE 207 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | $0 | $1K | 15.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $264 | $0 | $264 | 4.44% |
| SUNIL RIHAL3 | 1 SANDY COURT GARDEN CITY, NY 11530 | HEALTH MANAGEMENT SYSTEMS OF AMERICA | $343 | $0 | $343 | 20.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NJ 11747 | HEALTH MANAGEMENT SYSTEMS OF AMERICA | $86 | $0 | $86 | 5.02% |
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 | 104 | 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) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE | 173 | $956K |
| Dental | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | 30 | $19K |
| Vision | VISION SERVICE PLAN | 73 | $6K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $54K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 105 | $7K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $54K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 173 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.