| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $11K | $11K | 3.19% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $3K | $3K | 0.88% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPOINT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 0.87% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 0.51% |
| COLEEN SHERMAN3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $115 | — | $115 | 0.03% |
| MARK HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NC 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $7K | — | $7K | 3.35% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $7K | $7K | 3.22% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | — | $4K | 1.60% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 0.88% |
| COLEEN SHERMAN3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $378 | — | $378 | 0.17% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $6K | $6K | 3.12% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 1.02% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 0.90% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 0.82% |
| COLEEN SHERMAN3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $34 | — | $34 | 0.02% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $6K | $6K | 3.22% |
| MARC HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 0.87% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 0.86% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 0.67% |
| COLEEN SHERMAN3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $32 | — | $32 | 0.02% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.68% |
| MARC HIATRIDES - BOR3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.68% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR, LLC - MELVILLE | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 10118 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.68% |
| MARC HIATRIDES - BOR3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 3.06% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE & FINANCIAL S | 1133 WESTCHESTER AVENUE WEST S229 WHITE PLAINS, NY 10604 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | $90 | $2K | 1.70% |
| COLEEN SHERMAN - BOR3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $265 | — | $265 | 0.25% |
| COLEEN SHERMAN - BOR3 | 4 JACQUELINE COURT VEVA 16 SUITE 320 PORT JEFFERSON STAT, NY 11776 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $93 | — | $93 | 0.09% |
| MARK HIATRIDES3 | 68 BANKSIDE DRIVE CENTERPORT, NY 11721 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $604 | — | $604 | 3.36% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $583 | $583 | 3.24% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $290 | — | $290 | 1.61% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $158 | $158 | 0.88% |
| COLEEN SHERMAN3 | 135 CROSSWAYS PARK DRIVE SUITE 402 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $31 | — | $31 | 0.17% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $5K | $5K | 277.45% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $7K | $7K | — |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | — |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $395 | $395 | — |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $4K | $4K | — |
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 | 1,053 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,134 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 1,809 | $105K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,053 | $222K |
| Short-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 905 | $187K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,053 | $329K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,896 | $3.1M |
| Other(6 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 1,053 | $428K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,896 | — |
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.