| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOSTER THOMAS INC3 Filed as: FOSTER THOMAS, INC. | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | OXFORD HEALTH INSURANCE, INC | $25K | — | $25K | 2.80% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | — | $8K | $8K | 0.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 400 POST AVENUE WESTBURY, NY 11590 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $2K | $2K | 4.09% |
| FOSTER THOMAS INC3 | 1788 FOREST DRIVE ANNAPOLIS, MD 21401 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | — | $2K | 4.09% |
| FOSTER THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MA 21401 | UNITEDHEALTHCARE INSURANCE COMPANY | $723 | — | $723 | 10.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER 11 SUITE 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $362 | — | $362 | 5.01% |
| FOSTER THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 15.99% |
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 | 153 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 154 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 232 | $882K |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 145 | $41K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 241 | $7K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 187 | $6K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 187 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 241 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.