| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFITS ADVISOR, LLC3 Filed as: MY BENEFITS ADVISOR LLC | 669 RIVER DR STE 305 CENTER II ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE | $89K | — | $89K | 1.15% |
| INTEGRO INSURANCE BROKERS4 Filed as: INTEGRO USA INC | 3500LENOXRD NE STE 1600 ATLANTA, GA 30326 | UNITED HEALTH CARE | $71K | — | $71K | 0.92% |
| WEISER RISK SOLUTIONS4 | 135 W. 50TH STREET NEW YORK, NY 10020 | UNITED HEALTH CARE | $12K | — | $12K | 0.15% |
| JOAN ANTONIELLO3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $9K | — | $9K | 3.04% |
| LISA F OSOFSKY3 | 135 WEST 50TH STREET WEST TH, NY 10020 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $96 | — | $96 | 0.03% |
| JOEL ELIN, C/O LENOX ADVISERS INC3 | 530 FIFTH AVENUE 11TH FL NEW YORK, NY 10036 | THE UNION CENTRAL LIFE INSURANCE COMPANY | $96 | — | $96 | 0.03% |
| WEISER RISK SOLUTIONS3 | 135 WEST 50TH STREET NEW YORK, NY 10020 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.30% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10021 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $22K | $28K | 12.05% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $18K | $24K | 12.56% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $6K | $15K | $20K | 12.99% |
| LIDAC EMPLOYEE BENEFIT SOLUTION4 | 1010 NORTHERN BLVD GREAT NECK, NY 11021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.83% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $4K | 19.31% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | THE UNITED STATES LIFE INSURANCE COMPANY | $578 | — | $578 | 4.98% |
| MAZARS RISK SOLUTION3 | 135 W. 50TH STREET NEW YORK, NY 10020 | TRANSAMERICA LIFE INSURANCE COMPANY | $99 | — | $99 | 1.32% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $596 | $628 | $1K | 20.53% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE | 4250 CRUMS MILL RD. HARRISBURG, PA 17112 | TRANSAMERICA LIFE INSURANCE COMPANY | $298 | — | $298 | 12.29% |
| MICHAEL S. WELGER3 | 31 SCHANCD ROAD, STE B FREEHOLD, NY 07728 | RELIASTAR LIFE INSURANCE COMPANY | $35 | — | $35 | 1.98% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | WILLIAM PENN LIFE INSURANCE COMPANY | $30 | — | $30 | 1.95% |
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 | 1,021 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,037 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 1,001 | $7.7M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 401 | $335K |
| Life insurance(12 contracts, 7 carriers) | THE UNION CENTRAL LIFE INSURANCE COMPANY | 751 | $501K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 674 | $217K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 785 | $235K |
| Other(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 751 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,001 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.