| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC HIATRIDES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $138K | — | $138K | 7.53% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $39K | — | $39K | 2.12% |
| MARC HIATRIDES3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $21K | — | $21K | 1.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 0.33% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $14K | $14K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $7K | — | $7K | 2.41% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 5.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $12K | $12K | 5.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.16% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | EYEMED | $10K | — | $10K | 9.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 261 MADISON AVENUE FLOOR 602 NEW YORK, NY 10016 | EYEMED | $3K | — | $3K | 2.72% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | EYEMED | $1K | — | $1K | 1.15% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 350 FIFTH AVENUE #3700 NEW YORK, NY 10016 | EYEMED | $846 | — | $846 | 0.75% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $919 | $919 | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $919 | — | $919 | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DR CENTERPORT, NY 11721 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | — | $6K | 1849.86% |
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 | 1,014 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,074 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,959 | $1.8M |
| Vision | EYEMED | 1,638 | $113K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,014 | $233K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 865 | $130K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,014 | $284K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,959 | $1.8M |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,014 | $251K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,959 | — |
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.