| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $49K | $0 | $49K | 3.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $23K | $0 | $23K | 1.79% |
| RUBICON BENEFITS LLC3 Filed as: RUBICON BENEFITS | 718 WALT WHITMAN ROAD SUITE 1568 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $172 | $0 | $172 | 0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY- CENTERSTONE INS. | 1133 WESTCHESTER AVENUE, SUITE S229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $20 | $0 | $20 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $3K | $3K | $7K | 19.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $4K | $8K | 22.91% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.3M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.3M |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 273 | $66K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 273 | $33K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 273 | $33K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 217 | $1.3M |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 273 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 273 | — |
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.