| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | AETNA LIFE INSURANCE COMPANY | $45K | $0 | $45K | 3.09% |
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $415 | $0 | $415 | 0.03% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | EMBLEMHEALTH | $9K | $0 | $9K | 3.47% |
| TSG FINANCIAL LLC3 | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 9.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $381 | $2K | 6.31% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $72 | $2K | 5.28% |
| RISK STRATEGIES COMPANY3 | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $1K | $0 | $1K | 5.71% |
| EMERSON REID LLC3 | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $0 | $1K | $1K | 5.00% |
| TSG FINANCIAL LLC3 | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $687 | $0 | $687 | 2.81% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $0 | $241 | $241 | 0.98% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | $330 | $0 | $330 | 5.41% |
| TSG FINANCIAL LLC3 | 900 STEWART AVENUE, SUITE 505 GARDEN CITY, NY 11530 | UNITEDHEALTHCARE INSURANCE COMPANY | $219 | $0 | $219 | 3.59% |
| EMERSON REID LLC3 | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $165 | — | $165 | 2.71% |
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 | 144 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 115 | $1.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 115 | $1.5M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 41 | $6K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $29K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 78 | $24K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 41 | $6K |
| Prescription drug(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 115 | $1.7M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 225 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 225 | — |
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."
No prospect flags tripped on this filing.