| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEISER RISK SOLUTIONS3 Filed as: WEISER RISK SOLUTION LLC | 135 WEST 50TH STREET FL 14 NEW YORK, NY 10020 | UNITED HEALTH CARE | $108K | — | $108K | 1.75% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE | $77K | — | $77K | 1.25% |
| JOAN ANTONIELLO3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $104K | — | $104K | 32.15% |
| LISA F OSOFSKY C/O MR WEISER LLC3 | 399 THORNALL ST. EDISON, NJ 08837 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $330 | — | $330 | 0.10% |
| JOEL ELIN, C/O LENOX ADVISERS INC3 | 530 FIFTH AVENUE 11TH FL NEW YORK, NY 10036 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $329 | — | $329 | 0.10% |
| EMERSON REID LLC3 | 630 W GERMAN TOWN PIKE STE 215 PLYMOUTH MEETING, PA 19462 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 3.74% |
| WEISER RISK SOLUTIONS3 Filed as: WEISER CAPITAL MANAGEMENT LLC | 135 WEST 50TH STREET NEW YORK, NY 10020 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 3.70% |
| WEISERMAZARS CAPITAL MANAGEMENT3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.73% |
| EMERSON REID LLC3 | 261 MADISON AVENUE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $4K | $8K | 11.70% |
| EMERSON REID LLC3 | 261 MADISON AVENUE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $3K | $7K | 12.34% |
| EMERSON REID LLC3 | 261 MADISON AVENUE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $4K | $2K | $6K | 13.26% |
| WEISER RISK SOLUTIONS3 Filed as: WEISER CAPITAL MANAGEMENT LLC | 135 WEST 50TH STREET NEW YORK, NY 10020 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 15.57% |
| EMERSON REID LLC3 | 630 W GERMAN TOWN PIKE STE 215 PLYMOUTH MEETING, PA 19462 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.58% |
| LIFE/DISABILITY ADMINI CONSULT3 | 1010 NORTHERN BLVD STE 324 GREAT NECK, NY 11021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 21.55% |
| JOEL BOYARSKY4 | 211 BROADWAY LYNNBROOK, NY 11563 | AMERICAN GENERAL LIFE INSURANCE | $578 | — | $578 | 4.98% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE | 4250 CRUMS MILL RD. HARRISBURG, PA 11712 | TRANSAMERICA LIFE INSURANCE COMPANY | $298 | — | $298 | 3.97% |
| WEISER RISK SOLUTIONS3 Filed as: WEISER RISK SOLUTION LLC | 135 WEST 50TH STREET 14TH FLOOR NEW YORK, NY 10020 | TRANSAMERICA LIFE INSURANCE COMPANY | $99 | — | $99 | 1.32% |
| EMERSON REID LLC3 | 261 MADISON AVENUE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $613 | $307 | $920 | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVENUE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $148 | $74 | $222 | 14.98% |
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 | 733 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 761 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 999 | $6.2M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 371 | $317K |
| Life insurance(13 contracts, 7 carriers) | THE UNION CENTRAL LIFE INSURANCE COMPANY | 715 | $694K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 625 | $74K |
| Long-term disability(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 734 | $360K |
| Other(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 715 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 999 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.