| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TSG FINANCIAL LLC3 | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | AETNA INSURANCE COMPANY | $37K | $0 | $37K | 2.99% |
| TSG FINANCIAL LLC3 | UNKNOWN LEVITTOWN, NY 11756 | EMBLEMHEALTH | $11K | $0 | $11K | 3.85% |
| TSG FINANCIAL LLC3 | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NE 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 7.29% |
| EMERSON REID LLC3 | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 2.82% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $2K | $2K | 2.32% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $659 | $0 | $659 | 0.92% |
| TSG FINANCIAL LLC3 | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $2K | $0 | $2K | 8.53% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $0 | $1K | $1K | 5.00% |
| EMERSON REID LLC3 | 5200 NORTH PALM AVENUE SUITE 114 FRESNO, CA 93704 | SUN LIFE AND HEALTH INSURANCE COMPANY US | $0 | $518 | $518 | 2.12% |
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 | 150 | 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) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA INSURANCE COMPANY | 104 | $1.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $72K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $72K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY US | 98 | $24K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $72K |
| Prescription drug(2 contracts, 2 carriers) | AETNA INSURANCE COMPANY | 104 | $1.5M |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 150 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.