| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFITS ADVISOR, LLC3 Filed as: MY BENEFITS ADVISOR LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED HEALTH CARE | $158K | — | $158K | 1.84% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED HEALTH CARE | $20K | — | $20K | 0.24% |
| JOAN ANTONELLO3 | 60 CROSSWAY PARKWAY DRIVE WEST WOODBURY, NY 11757 | AMERITAS LIFE INSURANCE CORP OF NY | $6K | — | $6K | 2.15% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $29K | $35K | 15.35% |
| EMERSON REID LLC4 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $24K | $30K | 15.97% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $6K | $21K | $27K | 15.74% |
| LIDAC EMPLOYEE BENEFIT SOLUTIONS4 | 1010 NORTHERN BLVD SUITE 324 GREAT NECK, NY 11021 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 4.59% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | COMPANION LIFE INSURANCE COMPANY | $7K | $9K | $16K | 22.74% |
| EMERSON REID LLC5 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $3K | $5K | 22.33% |
| JOEL BOYARSKY3 | 211 BROADWAY LYNBROOK, NY 115633290 | AMERICAN GENERAL LIFE INSURANCE COMPANY | $231 | — | $231 | 2.00% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10021 | MUTUAL OF OMAHA INSURANCE COMPANY | $548 | $746 | $1K | 23.60% |
| EMERSON REID LLC3 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | NORTHWESTERN MUTUAL | $29 | $13 | $42 | 2.85% |
| JOEL BOYARSKY3 | 3275 BENNETT CREEK AVE FREDERICK, MD 21704 | WILLIAM PENN LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| EMERSON REID LLC5 | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | NORTHWESTERN MUTUAL | $6 | $3 | $9 | 2.97% |
| FOCUS 10 LIFE, INC3 Filed as: FOCUS 10 LIFE | 131 OAK STREET, SUITE 5 GLASTONBURY, CT 06033 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $0 | $0 | — |
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 | 1,028 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,029 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTH CARE | 1,118 | $8.6M |
| Life insurance(16 contracts, 9 carriers) | AMERITAS LIFE INSURANCE CORP OF NY | 834 | $580K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 753 | $309K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 847 | $230K |
| Other(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 834 | $197K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,118 | — |
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."
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.