| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | AETNA LIFE INSURANCE COMPANY | $35K | — | $35K | 3.00% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | EMBLEMHEALTH | $3K | — | $3K | 4.05% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.43% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $942 | $942 | 2.61% |
| TSG FINANCIAL LLC3 | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 14.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07497 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $828 | $2K | 7.45% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $2K | — | $2K | 8.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | — | $1K | $1K | 5.00% |
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 | 97 | 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) | 97 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 100 | $1.2M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 87 | $36K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $33K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 97 | $24K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $33K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 100 | $1.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 252 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.