| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR LLC / ELMWOOD PA | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 0.31% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $17K | $17K | 4.66% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 0.83% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 0.83% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $12K | $12K | 4.68% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $6K | — | $6K | 2.17% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $6K | — | $6K | 2.17% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $9K | $9K | 4.64% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 0.60% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 0.60% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $8K | $8K | 4.60% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 0.69% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 0.69% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | EYEMED VISION CARE | $9K | — | $9K | 8.24% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC - MELVILLE | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 10118 | EYEMED VISION CARE | $6K | — | $6K | 5.38% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EYEMED VISION CARE | $5K | — | $5K | 4.23% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 350 FIFTH AVENUE #3700 NEW YORK, NY 10118 | EYEMED VISION CARE | $1K | — | $1K | 1.16% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $1K | $1K | 4.67% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $473 | — | $473 | 2.17% |
| MY BENEFIT ADVISORS LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $473 | — | $473 | 2.17% |
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 | 952 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 59 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,816 | $1.2M |
| Vision | EYEMED VISION CARE | 1,710 | $113K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 952 | $259K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 805 | $169K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 952 | $374K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,816 | $2.3M |
| Other(3 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 952 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,816 | — |
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."
No prospect flags tripped on this filing.