| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HIATRIDES, MARC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $161K | — | $161K | 7.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $45K | — | $45K | 2.24% |
| HIATRIDES, MARC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $29K | — | $29K | 1.41% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 0.39% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $14K | $14K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $7K | — | $7K | 2.38% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | — | $9K | 5.00% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $9K | $9K | 5.00% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | EYEMED VISION CARE | $8K | — | $8K | 7.58% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 350 FIFTH AVENUE #3700 NEW YORK, NY 10118 | EYEMED VISION CARE | $4K | — | $4K | 4.20% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | EYEMED VISION CARE | $2K | — | $2K | 1.67% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | EYEMED VISION CARE | $436 | — | $436 | 0.43% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $5K | $5K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 4.10% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 4.68% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $825 | $825 | 5.00% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $825 | — | $825 | 5.00% |
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 | 985 | 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) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,868 | $2.0M |
| Vision | EYEMED VISION CARE | 1,686 | $102K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 974 | $183K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 974 | $95K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 974 | $289K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,868 | $2.0M |
| Other(3 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 974 | $259K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,868 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.