| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 400 POST AVE WESTBURY, NY 11590 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | $3K | $13K | 1.75% |
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVE ST C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $16 | $9K | 1.19% |
| MARTIN BERNARD3 | 22 VALENTINE DRIVE ALBERTSON, NY 11507 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.41% |
| JEFFREY BERNARD3 | 254 E68TH ST APT 17F NEW YORK, NY 10065 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.41% |
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 | 992 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 992 | $729K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 992 | $729K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 992 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 992 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.