| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WEISER RISK SOLUTIONS3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | UNITED HEALTH CARE | $122K | — | $122K | 1.84% |
| INTEGRO INSURANCE BROKERS3 Filed as: INTEGRO USA INC | 3500LENOXRD NE STE 1600 ATLANTA, GA 30326 | UNITED HEALTH CARE | $43K | — | $43K | 0.66% |
| EMERSON REID LLC3 | 699 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE | $16K | — | $16K | 0.25% |
| JOAN ANTONIELLO3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $8K | — | $8K | 2.49% |
| LISA F OSOFSKY3 | 135 WEST 50TH STREET WEST TH, NY 10020 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $222 | — | $222 | 0.07% |
| JOEL ELIN, C/O LENOX ADVISERS INC3 | 530 FIFTH AVENUE 11TH FL NEW YORK, NY 10036 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $222 | — | $222 | 0.07% |
| WEISER RISK SOLUTIONS3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.84% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $11K | $11K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $2K | $9K | 3.80% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $2K | $8K | 4.38% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $6K | $2K | $8K | 5.02% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $211 | $2K | 11.03% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| LIFE DISABILITY ADMINISTRATIVE CONS3 Filed as: LIFE/DISABILITY ADMIN | 1010 NORTHERN BLVD GREAT NECK, NY 11021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 17.98% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | AMERICAN GENERAL LIFE INSURANCE | $578 | — | $578 | 4.98% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE | 4250 CRUMS MILL RD. HARRISBURG, PA 17112 | TRANSAMERICA LIFE INSURANCE COMPANY | $298 | — | $298 | 3.97% |
| WEISER RISK SOLUTIONS3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | TRANSAMERICA LIFE INSURANCE COMPANY | $98 | — | $98 | 1.30% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $626 | — | $626 | 9.99% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $313 | $313 | 5.00% |
| MICHAEL S. WELGER3 | 31 SCHANCD ROAD, STE B FREEHOLD, NY 07728 | RELIASTAR LIFE INSURANCE COMPANY | $35 | — | $35 | 2.03% |
| JOEL BOYARSKY3 | 211 LYNBROOK, NY 11563 | WILLIAM PENN LIFE INSURANCE COMPANY | $30 | — | $30 | 1.95% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | WILLIAM PENN LIFE INSURANCE COMPANY | $15 | — | $15 | 0.97% |
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 | 833 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 855 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 1,040 | $6.6M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 412 | $336K |
| Life insurance(12 contracts, 7 carriers) | THE UNION CENTRAL LIFE INSURANCE COMPANY | 784 | $499K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 699 | $201K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 819 | $227K |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 784 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,040 | — |
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.