| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $13K | $13K | 5.17% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 2.40% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $588 | — | $588 | 0.24% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $8K | $8K | 4.61% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 3.75% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 1.25% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY VEVA 17 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $5K | $5K | 4.57% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 3.63% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $622 | — | $622 | 0.60% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | EYEMED VISION CARE | $9K | — | $9K | 9.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 350 FIFTH AVENUE #3700 NEW YORK, NY 10118 | EYEMED VISION CARE | $4K | — | $4K | 3.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PARKWAY WEST VEVA 16 #320 BLUE BELL, PA 19422 | EYEMED VISION CARE | $1K | — | $1K | 1.36% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC - MELVILLE | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 10118 | EYEMED VISION CARE | $1K | — | $1K | 1.36% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC - MELVILLE | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EYEMED VISION CARE | $1K | — | $1K | 1.36% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 4.06% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 3.50% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $569 | — | $569 | 0.73% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $737 | $737 | 4.92% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $600 | — | $600 | 4.00% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $223 | — | $223 | 1.49% |
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 | 976 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 72 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,060 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | EYEMED VISION CARE | 1,775 | $97K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 972 | $172K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 840 | $104K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 972 | $244K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,908 | $1.8M |
| Other(3 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 972 | $265K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,908 | — |
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.