| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DR STE 305 CENTER II ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE | $186K | — | $186K | 2.30% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE | $20K | — | $20K | 0.25% |
| AMERITAS LIFE INSURANCE CORP3 Filed as: AMERITAS LIFE INSURANCE COMPANY | 5900 O STREET LINCOLN, NE 685011889 | AMERITAS LIFE INSURANCE COMPANY | $7K | $6K | $13K | 4.29% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $26K | $33K | 13.40% |
| EMERSON REID LLC4 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $22K | $28K | 13.58% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $18K | $24K | 14.05% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS4 | 1010 NORTHERN BLVD GREAT NECK, NY 11021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.34% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $2K | $7K | 15.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10021 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $5K | 20.53% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | THE UNITED STATES LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| MAZARS RISK SOLUTION3 | 135 W. 50TH STREET NEW YORK, NY 10020 | TRANSAMERICA LIFE INSURANCE COMPANY D. PIERCE) | $24 | — | $24 | 0.32% |
| MICHAEL S. WELGER3 | 31 SCHANCD ROAD, STE B FREEHOLD, NY 07728 | RELIASTAR LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $431 | $216 | $647 | 15.00% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE | 4250 CRUMS MILL RD. HARRISBURG, PA 17112 | TRANSAMERICA LIFE INSURANCE COMPANY (K. ELDRIDGE) | $84 | — | $84 | 3.46% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $208 | $462 | $670 | 31.50% |
| JOSHUA HAYES PARISH3 | 50 CITIZENS WAY STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL INS CO.(WHEELER) | $29 | $13 | $42 | 2.85% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | WILLIAM PENN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JOSHUA HAYES PARISH3 | 50 CITIZENS WAY STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL INS CO.(FRIED) | $12 | $3 | $15 | 4.95% |
| SCOTT IODICE ASSC LLC3 | STE 2500 111 S CALVERT ST BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL INS CO.(FRIED) | $12 | $3 | $15 | 4.95% |
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 | 1,047 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,075 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 1,235 | $8.1M |
| Life insurance(17 contracts, 11 carriers) | AMERITAS LIFE INSURANCE COMPANY | 854 | $534K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 774 | $274K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 878 | $245K |
| Other(5 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 854 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,235 | — |
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.