| 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 | $175K | $0 | $175K | 2.08% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 CENTER 11 ELMWOOD PARK, NJ 07407 | UNITED HEALTH CARE | $4K | $0 | $4K | 0.04% |
| FOCUS 10 LIFE, INC3 Filed as: FOCUS 10 LIFE | 131 OAK STREET, SUITE 5 GLASTONBURY, CT 06033 | AMERITAS LIFE INSURANCE CORP OF NY | $8K | $6K | $14K | 4.93% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10021 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $30K | $36K | 14.47% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $25K | $32K | 14.82% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $6K | $21K | $27K | 15.22% |
| LIDAC EMPLOYEE BENEFIT SOLUTION4 | 1010 NORTHERN BLVD GREAT NECK, NY 11021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 5.79% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $8K | $9K | $16K | 21.54% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $3K | $5K | 21.88% |
| MICHAEL S. WELGER3 | 31 SCHANCD ROAD, STE B FREEHOLD, NY 07728 | RELIASTAR LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $232 | — | $232 | 2.00% |
| 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 | $674 | $639 | $1K | 19.49% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE | 4250 CRUMS MILL RD. HARRISBURG, PA 17112 | TRANSAMERICA LIFE INSURANCE COMPANY | $298 | — | $298 | 12.29% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $29 | $13 | $42 | 2.85% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 11563 | WILLIAM PENN LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| JOSHUA HAYES PARISH3 | 150 S EAST ST STE 303 FREDERICK, MD 21701 | NORTHWESTERN MUTUAL | $6 | $3 | $9 | 2.97% |
| SCOTT IODICE ASSC LLC3 Filed as: SCOTT IODICE ASSC LLC STE 2500 | 111 S CALVERT ST BALTIMORE, MD 21202 | NORTHWESTERN MUTUAL | $6 | $1 | $7 | 2.31% |
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 | 1,019 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,028 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 1,274 | $8.4M |
| Life insurance(17 contracts, 9 carriers) | AMERITAS LIFE INSURANCE CORP OF NY | 808 | $588K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 726 | $302K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 829 | $250K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 808 | $206K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,274 | — |
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.