| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN, HANNEY, GUNDERMAN | UNKNOWN KINGS PARK, NY 11754 | EMBLEMHEALTH | $45K | — | $45K | 2.34% |
| GUNDERMANN & GUNDERMANN INC3 Filed as: GUNDERMANN & GUNDERMANN INC. | 175 W CARVER STREET HUNTINGTON, NY 11743 | EMPIRE HEALTHCHOICE HMO, INC. | $5K | — | $5K | 0.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE HMO, INC. | $3K | — | $3K | 0.36% |
| GUNDERMANN & GUNDERMANN INC3 Filed as: GUNDERMANN & GUNDERMANN | 175 W CARVER STREET HUNTINGTON, NY 117433307 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 2.70% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 117474300 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.16% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $8K | $2K | $10K | 21.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $499 | $499 | 1.05% |
| THE D B L CENTER LTD3 Filed as: D B L CENTER, LTD | 555 BROADHOLLOW RD SUITE 271 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | — | $85 | $85 | 0.18% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | COMPANION LIFE INSURANCE COMPANY | $376 | $238 | $614 | 12.90% |
| EMERSON REID LLC3 | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $55 | $28 | $83 | 15.06% |
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 | 272 | 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) | 272 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | EMBLEMHEALTH | 240 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 405 | $121K |
| Vision | EMPIRE HEALTHCHOICE HMO, INC. | 114 | $826K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 272 | $5K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 208 | $48K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 219 | $551 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 405 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.