| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $67K | — | $67K | 4.39% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 5200 NORTH PALM AVENUE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $18K | $18K | 1.15% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $32K | $32K | 10.06% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $22K | $22K | 7.00% |
| RSC INSURANCE BROKERAGE INC3 | 750 3RD AVENUE SUITE 1500 NEW YORK, NY 10017 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 1.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | EMBLEMHEALTH | $10K | — | $10K | 4.13% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $23K | — | $23K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $14K | $14K | 9.54% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $14K | $14K | 12.27% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $6K | $6K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 750 3RD AVENUE SUITE 1500 NEW YORK, NY 10017 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 4.39% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE NC | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 02110 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 9.77% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 4 BOSTON, MA 00410 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 3.80% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $46 | $46 | 0.06% |
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 | 2,518 | 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) | 2,518 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 94 | $1.8M |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 94 | $1.6M |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,560 | $317K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 947 | $113K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 3,669 | $468K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,669 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.