| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 01982 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $94K | $12K | $106K | 4.39% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 NORTH PALM AVENUE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $24K | $24K | 0.98% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $1K | — | $1K | 0.24% |
| KAREN SUE KIEFER3 | 2517 JACOBS CREEK RUN FORT WAYNE, IN 46825 | AFLAC | $377 | — | $377 | 0.09% |
| CHRISTOPHER TARI3 | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $232 | $64 | $296 | 0.07% |
| EPSIX, INC.3 Filed as: EPSIX INC | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $218 | — | $218 | 0.05% |
| THOMAS MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $184 | — | $184 | 0.04% |
| CHARLEEN WRIGHT3 | 2565 ALLEGHANY LOOP VIRGINIA BEACH, VA 23456 | AFLAC | $163 | — | $163 | 0.04% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $133 | $24 | $157 | 0.04% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $119 | $16 | $135 | 0.03% |
| JUSTIN D HARPER3 | 6924 PALMETTA COURT FORT WAYNE, IN 46825 | AFLAC | $128 | — | $128 | 0.03% |
| COLIN MCVETTY3 | 449 MARCELLUS ROAD MINEOLA, NY 11501 | AFLAC | $60 | $31 | $91 | 0.02% |
| HEIDI A HERDMAN3 | 105 CHERRY HILL DRIVE APARTMENT 221 BEVERLY, MA 01915 | AFLAC | $82 | — | $82 | 0.02% |
| WILLIAM WHICHER3 Filed as: WILLIAM H WHICHER | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $67 | $13 | $80 | 0.02% |
| JEFFREY D TORELLO3 | 14 BUSINESS PARK DRIVE SUITE 8 BRANFORD, CT 06405 | AFLAC | $75 | — | $75 | 0.02% |
| SHARON NEIMANIS3 | 45 OLD OX ROAD MANHASSET, NY 11030 | AFLAC | $75 | — | $75 | 0.02% |
| GLENN E SMITH3 | 1136 MASTERS ROW CHESAPEAKE, VA 23320 | AFLAC | $63 | — | $63 | 0.01% |
| SHAUN T KONIOR3 | 31 STRATFORD GRN FARMINDALE, NY 11735 | AFLAC | $17 | — | $17 | 0.00% |
| DAVID J MCCLELLAN3 Filed as: DAVID HALLETT | 8 BROOKS STREET WINCHESTER, MA 01890 | AFLAC | $16 | — | $16 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $7 | — | $7 | 0.00% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $23K | $23K | 7.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $17K | $17K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 750 3RD AVENUE SUITE 1500 NEW YORK, NY 10017 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 1.66% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC | 160 FEDERAL STREET BOSTON, MA 02110 | EMBLEMHEALTH | $12K | — | $12K | 3.77% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 02110 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 5.12% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET BOSTON, MA 00410 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 2.74% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET 4TH FLOOR BOSTON, MA 02110 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $8K | $8K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $8K | $8K | 5.00% |
| RSC INSURANCE BROKERAGE INC3 | 750 3RD AVENUE SUITE 1500 NEW YORK, NY 10017 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 3.46% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL STREET FLOOR 2 BOSTON, MA 02110 | AFLAC | $224 | — | $224 | 0.36% |
| JAMES ROBERT CONFORT3 | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $49 | $145 | $194 | 0.31% |
| CHRISTOPHER TARI3 Filed as: CHRISTOPHER J TARI | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $99 | — | $99 | 0.16% |
| THOMAS P MCKIERNAN3 | 687 EAST BROADWAY MILFORD, CT 06460 | AFLAC | $55 | — | $55 | 0.09% |
| PEREGRINE CONSULTING LLC3 | 162 BODINE ROAD BERWYN, PA 19312 | AFLAC | $31 | — | $31 | 0.05% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $21 | — | $21 | 0.03% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 NORTH PALM AVENUE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $2K | $2K | 8.59% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INS BROKERAGE INC | 160 FEDERAL STREET BOSTON, MA 01982 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $1K | $583 | $2K | 7.88% |
| DISABILITY RMS3 | 300 SOUTHBOROUGH DRIVE SUITE 200 SOUTH PORTLAND, ME 04106 | NEW YORK LIFE INSURANCE COMPANY | — | $2K | $2K | 15.00% |
| FISHER, SAUL3 | 390 BERRY STREET 4TH FLOOR BROOKLYN, NY 11249 | NEW YORK LIFE INSURANCE COMPANY | $835 | — | $835 | 7.48% |
| BLAU, MARTIN3 | 1667 56 STREET BROOKLYN, NY 11204 | NEW YORK LIFE INSURANCE COMPANY | $835 | — | $835 | 7.48% |
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 | 3,474 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,475 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 108 | $2.7M |
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 936 | $2.6M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 884 | $21K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 3,464 | $346K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 918 | $152K |
| Other(4 contracts, 3 carriers) | AFLAC | 3,464 | $840K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,464 | — |
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.