| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| E BENEFIT SOLUTIONS3 Filed as: E BENEFIT SOLUTIONS INC | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | OXFORD HEALTH INSURANCE, INC. | $79K | — | $79K | 3.22% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $50K | $50K | 2.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | EMPIRE STATE BUILDING, 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 4.59% |
| E BENEFIT SOLUTIONS3 Filed as: E BENEFIT SOLUTIONS INC. | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 2.06% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | EMPIRE STATE BUILDING, 350 5TH AVE SUITE 3700 NEW YORK, NY 10118 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.73% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $52 | — | $52 | 0.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $228 | $1K | 5.90% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.05% |
| E BENEFIT SOLUTIONS3 Filed as: E BENEFIT SOLUTIONS INC. | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | METROPOLITAN LIFE INSURANCE COMPANY | -$3K | — | -$3K | -10.95% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 634 | $2.4M |
| Dental | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 138 | $143K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $23K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 634 | $2.4M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 277 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.