| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SOLOMON AGENCY CORPORATION3 Filed as: SOLOMON AGENCY CORP | 29-50 UNION STREET 2ND FLOOR FLUSHING, NY 11354 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $74K | $14K | $89K | 3.69% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $50K | $50K | 2.08% |
| DONALD C SAVOY INC3 | 25 B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $25K | $25K | 5.92% |
| E BENEFIT SOLUTIONS3 Filed as: E BENEFIT SOLUTIONS INC. | 21704 NORTHERN BLVD BAYSIDE, NY 11361 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $21K | $21K | 4.98% |
| SOLOMON AGENCY CORPORATION3 Filed as: SOLOMON | 29-50 UNION STREET 2ND FLOOR FLUSHING, NY 11354 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $9K | — | $9K | 2.09% |
| E BENEFIT SOLUTION INC3 | 217 BAYSIDE, NY 11361 | ANTHEM LIFE & DISABILITY INSRUANCE COMPANY | $2K | — | $2K | 5.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $950 | $16 | $966 | 5.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | — | $215 | $215 | 1.13% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 249 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 245 | $2.8M |
| Dental(2 contracts) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 245 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | ANTHEM LIFE & DISABILITY INSRUANCE COMPANY | 275 | $47K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 263 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.