| 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 | $0 | $43K | $43K | 3.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $27K | $27K | 2.30% |
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD SUITE 205 MINEOLA, NY 11501 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 10.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 7.11% |
| SUNIL RIHAL3 | 259 MINEOLA BOULEVARD SUITE 205 MINEOLA, NY 11501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $221 | $3K | 7.54% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 4.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10016 | DENTAL SERVICE OF MASSACHUSETTS, INC. DBA DELTA DENTAL OF MA | $1K | $0 | $1K | 5.75% |
| BADGE AGENCY, INC.3 Filed as: BADGE AGENCY INC | 100 WOODBURY ROAD, SUITE 207 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.64% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | VISION SERVICE PLAN | $288 | $0 | $288 | 4.54% |
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 | 113 | 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) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 65 | $57K |
| Vision | VISION SERVICE PLAN | 99 | $6K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 113 | $45K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 146 | $20K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 113 | $45K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $1.2M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 113 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.