| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $298K | — | $298K | 4.85% |
| MARC HIATRIDES3 | 2929 EXPRESS DRIVE NORTH SUITE 200 HAUPPAUGE, NY 11749 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | — | $15K | 6.75% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 1.33% |
| GEORGE OREFICI3 | 2929 EXPRESS DRIVE NORTH SUITE 100 HAUPPAUGE, NY 11749 | METROPOLITAN LIFE INSURANCE COMPANY | $900 | — | $900 | 0.40% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: METLIFE FINANCIAL/METLIFE SECURITIE | 1095 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 5.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 261 MADISON AVENUE FLOOR 6 NEW YORK, NY 10016 | VISION SERVICE PLAN | $1K | — | $1K | 4.46% |
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 | 745 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 757 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 673 | $6.1M |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 673 | $6.2M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 993 | $159K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $226K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 925 | $226K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 993 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 993 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.